TRADE SERVICE · STRUCTURE & ENVELOPE CLUSTER

FRACTIONAL CFO FOR FRAMING CONTRACTORS.

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We run the finance function for framing 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.

Framing sells a commodity inside a fixed-price wrapper, so buyout discipline is the first thing we build. The Random Lengths composite sat at $487 per thousand board feet in April 2026 with a $440 to $540 expected range, and framers who spot-buy from one supplier at seasonal peaks leave $10,000 to $50,000 on the table every year. We put a dated price basis and an escalation clause in the contract, split wood from light-gauge steel into separate cost codes since steel moved 18 percent in 2026 on its own tariff stack, and price specialty features at $500 to $1,500 apiece instead of folding them into square footage. Then we document acceleration when the GC compresses the schedule, because the first trade in has no float and free Saturdays come straight off an 18 percent margin.

BY JOSH LUEBKERPublished 2026-08-06Updated 2026-08-06
WHERE FRAMING LOSES MONEY

THE THREE THINGS THAT DRAIN THE CASH.

LEAK 01

The Commodity Wrapper

Lumber at $487 per MBF with a $440 to $540 expected range and 20 to 30 percent historic intra-year swings, sold inside fixed-price contracts. Without escalation clauses, dated price bases, and disciplined buyout, the framer is an unhedged lumber trader with a nail gun.

LEAK 02

The Pace-Setter's Penalty

First trade in absorbs every upstream slip and every downstream schedule demand. Acceleration without documented, billed acceleration cost is free overtime donated to the GC's schedule.

LEAK 03

The 18 Percent Ceiling

The thinnest gross margin of the served trades leaves zero absorption room. Unpriced specialty framing at $500 to $1,500 per feature and blended wood-versus-steel cost history are how a 5 percent net becomes a loss. (cfos-trade-benchmarking-system) ---

HOW SPM FIXES IT

WHAT WE CHANGE.

The commodity in the contract (lumber volatility)
First trade in, everyone's schedule on your back
Piece rate vs hourly (the production wage question)
Wood vs metal stud (two trades in one bid book)
MEP conflict rework (the framer's version)
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.

Prevailing wage note: Framing work often runs on public bids, which means certified payroll and wage classifications have to line up with the job cost record. ControlQore holds the classification against the cost code, so the certified report and the job cost report come from the same data instead of somebody keying the same numbers twice every week.

COMMON QUESTIONS

FREQUENTLY ASKED.

Framing contractors at $1M to $5M net 5 percent on average, the lowest floor among the served trades, rising to 7.5 percent by $25M to $50M; the CFOS target at $1M to $5M is 10 percent. The gap closes through lumber procurement discipline, priced specialty features, and documented acceleration, because an 18 percent gross margin absorbs nothing. 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 FRAMING 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.