FRACTIONAL CFO FOR FLOORING CONTRACTORS.
We run the finance function for flooring 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.
Flooring is the clearest overhead recovery problem in this dataset, so that's where we start. The showroom, the warehouse, the delivery fleet, and the estimating desk are all real assets no single job pays for, and a bid built on install labor and material alone recovers none of them. We put moisture testing on the schedule of values as its own billed line with a written sign-off protocol, because a floor laid on a wet slab is a six-figure failure that becomes your problem, and one such case settled at $1.3 million with the general liability carrier declining coverage. Then we negotiate deposits and stored-materials billing up front, since otherwise the sub banks a five-figure material position through freight, storage, and acclimation on every specialty job.
THE THREE THINGS THAT DRAIN THE CASH.
The Moisture Gate
The slab's readiness, not the GC's schedule, governs the install date, and a floor laid on a wet slab is a six-figure failure with the installer's name on it. ASTM-documented testing, a written sign-off protocol, and testing billed as a line item are the trade's real insurance policy; a $1.3 million settlement over one Best Buy floor proves the stakes.
The Overhead Engine
Flooring earns a 24 percent gross margin and keeps 5 percent, because 15 percent overhead (showroom, warehouse, fleet, estimating) eats the difference. This is the clearest overhead-recovery problem in the 48-trade dataset: the field isn't the leak; the building is.
The Material Float
Deposits out at order, freight and acclimation in the middle, billing at install: the sub banks a five-figure material position on every specialty job unless stored-materials and deposit terms are negotiated up front. (cfos-working-capital-system) ---
WHAT WE CHANGE.
FLAT MONTHLY FEE. NO SURPRISES.
Priced by trailing 12 month revenue. No hourly billing. No payroll. The one-time onboarding fee is right here in the table.
| Last 12 months revenue | Monthly fee | One-time onboarding |
|---|---|---|
| Up to $1M | $1,900 to $2,900 | $1,000 |
| $1M to $3.5M | $2,600 to $3,900 | $1,500 |
| $3.5M to $6.5M | $3,800 to $5,700 | $3,000 |
| $6.5M to $9.5M | $5,100 to $7,100 | $4,500 |
| $9.5M to $12.5M | $6,100 to $8,500 | $6,000 |
| $12.5M to $15.5M | $7,400 to $11,000 | $7,500 |
| $15.5M to $18.5M | $9,400 to $13,500 | $9,000 |
| $18.5M+ | Quoted individually | Quoted individually |
The onboarding fee covers migrating your books back to the start of your last taxable year and getting you fully operational in 60 days. It's billed once, with your first invoice. It's the same for all three tiers. Your first month is prorated, and your monthly engagement starts on the first of the first full month.
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. The onboarding fee is right here in the table.
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 and never in a report.
Your bookkeeper still does the books.
You stop touching the books.
Everything in Core, and we run the bookkeeping and the controllership as well. Your office stops answering coding questions and stops chasing a reconciliation on the last day of the month.
We do the books. No payroll.
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 books, the job costing, and the software. No payroll.
FREQUENTLY ASKED.
