TRADE SERVICE · FIRE & LIFE SAFETY CLUSTER

FRACTIONAL CFO FOR FIRE PROTECTION CONTRACTORS.

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We run the finance function for fire protection subcontractors doing $1M to $12M: job costing aligned to the way you estimate, a 13 week cash flow forecast, monthly WIP, and a CFO in the room every month. Pricing starts at $1,900 per month.

Fire protection pays for the design before a permit exists, so the first thing we fix is the schedule of values. Hydraulic calculations and stamped drawings run $1,200 to $3,000 per project out the door up front, fabricated spool deposits follow, and a schedule that starts billing at installation makes you the project's design bank. We put engineering and stored fabricated material on their own billing lines, then calendar the inspection gates, since rough-in, hydrostatic test, final, and alarm tie-in each hold a milestone and consume 8 to 16 coordination hours per project. We also run contract work and NFPA 25 inspection work as two P&Ls, because $1,000 to $2,100 per system per year recurring behaves nothing like a sprinkler contract.

BY JOSH LUEBKERPublished 2026-08-06Updated 2026-08-06
WHERE FIRE PROTECTION LOSES MONEY

THE THREE THINGS THAT DRAIN THE CASH.

LEAK 01

The Pre-Permit Spend

$1,200 to $3,000 of hydraulic calculations and stamped drawings leave the account before a permit exists, and fabricated steel deposits follow. A schedule of values that starts billing at installation makes the contractor the project's design bank.

LEAK 02

The Inspector's Signature

Rough-in, pressure test, final, alarm tie-in: every gate is a billing milestone someone else controls, and the AHJ signs last. Retainage release waits on the one signature the contractor can least accelerate.

LEAK 03

The Blended-Book Blindfold

ITM recurs fast and small; contract work pays big and slow. One P&L over both hides which business funds which, and owners price both wrong until the split is on paper. (cfos-job-profitability-system) ---

HOW SPM FIXES IT

WHAT WE CHANGE.

Paying for the design before the permit exists
Steel fabrication lead times and material procurement
The AHJ gauntlet (inspections as payment gates)
Two businesses in one truck (contract vs ITM)
Fitter labor: certified, scarce, and prevailing-waged
PRICING

FLAT MONTHLY FEE. NO SURPRISES.

Priced by trailing 12 month revenue. No hourly billing. No payroll. No add-ons.

Last 12 months revenueMonthly fee
Up to $1M$1,900 to $2,900
$1M to $3.5M$2,600 to $3,900
$3.5M to $6.5M$3,800 to $5,700
$6.5M to $9.5M$5,100 to $7,100
$9.5M to $12.5M$6,100 to $8,500
$12.5M to $15.5M$7,400 to $11,000
$15.5M to $18.5M$9,400 to $13,500
$18.5M+Quoted individually

Range reflects the three tiers below. Which one you're in depends on how much of the work you want off your desk. No payroll. No hidden line items.

Core

You stop guessing.

You get the CFO work. Job costing built against the way you estimate, a 13 week cash forecast, monthly WIP, and a meeting every month that ends in decisions rather than a report.

Your bookkeeper keeps doing the books.

Executive

You stop touching the books.

Everything in Core, and we run the bookkeeping and the controllership as well. Nobody in your office is answering coding questions or chasing a reconciliation at month end.

We do the books. No payroll.

Strategic

Every job shows its margin while it's still running.

Everything in Executive, plus the job costing and WIP platform set up, loaded with your cost codes, and managed for you every month. You never have to learn it.

We do the job costing.

COMMON QUESTIONS

FREQUENTLY ASKED.

Fire protection contractors at $1M to $5M net about 7.5 percent on the SPM 48-trade benchmark dataset, rising to 9.5 percent by $25M to $50M; the CFOS target at $1M to $5M is 11 percent. The trade's margins are strong; the cash timing around engineering, fabrication, and inspections is where companies bleed. Every net profit figure here is stated before taxes, the same basis CFMA reports on, so the two are directly comparable.
Three tiers, and which one you are in depends on how much of the work you want off your desk. Core is where you stop guessing: job costing built against the way you estimate, a 13 week cash forecast, monthly WIP, and a monthly meeting that ends in decisions, while your bookkeeper keeps doing the books. Executive is where you stop touching the books, because we run the bookkeeping and the controllership as well. Strategic is where every job shows its margin while it is still running, because the job costing and WIP platform is set up and managed for you. No payroll. No scope gaps.
Sixty days. We migrate your books back to the start of your last taxable year, set up ControlQore, and build your job costing structure from scratch. Fully operational in two months.
ControlQore is the job costing and WIP platform we use for all clients. Purpose-built for contractors, more affordable than legacy tools, and AI-infused. We set it up and manage it, so you do not have to learn it.
A bookkeeper records what happened. We tell you what it means and what to do about it. We align job costing to your estimates, track WIP monthly, and hold strategic accountability meetings so problems get fixed and not merely documented.
$10.7M+
Client AR Recovered Since 2023
48
Active Trade Specializations
60 DAYS
Average Onboarding Time
WHAT THIS TIES INTO
Josh Luebker, The Construction CFO
Josh Luebker
FRACTIONAL CFO · THE CONSTRUCTION CFO

Former commercial construction project manager and master electrician. Managed 150+ projects worth more than $2.1B combined, with individual jobs from $50,000 to $300M, including data centers, military bases, hospitals, and high-rises. Now fractional CFO for commercial subcontractors doing $1M to $12M through Sulphur Prairie Management.About Josh  | LinkedIn

DO YOU KNOW YOUR TRUE MARGIN ON FIRE PROTECTION WORK?

Bring one job. We will show you the difference between what you bid and what it cost.

You don't hire a CFO because it's safe, you do it because the real risk isn't having one.
Book a 20 minute diagnostic

20 minutes. No sales pressure. We will tell you exactly what's broken before we talk about anything else.

OR START WITH THE WORKBOOKS. NO CALL NEEDED.