New Zealand Construction Subcontractors — Fractional CFO — Serving NZ Nationally
New Zealand · NZ Contractors · Construction CFO · GST · Retentions · CCA
CFO for New Zealand
Subcontractors.
SPM serves New Zealand commercial subcontractors doing $1M–$12M NZD. The financial problems facing NZ subcontractors are the same as North American and Australian contractors — cash flow gaps, no job-level profitability visibility, retentions sitting uncollected, and bookkeeping that doesn't reflect how construction actually works.
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SPM vs. Other CFO Firms
Most CFO Firms Serving This Trade
- High revenue minimums — most won't serve under $5M
- Advisory only — no bookkeeping, no implementation
- No job costing setup or ControlQore management
- No monthly WIP as standard deliverable
- No pricing published — discovery call required
- No vetted partner network for bonding, lending, or liens
- No prevailing wage specialty
The Construction CFO — SPM
- Serves $1M–$12M — starts at $1,900/month
- Full implementation — bookkeeping, job costing, CFO advisory
- ControlQore setup and managed for you every month
- Monthly WIP standard in Executive tier
- Full pricing published — no discovery call to find out costs
- Vetted partners for bonding, lending, lien services, payroll
- Prevailing wage and Davis-Bacon specialty
What We See in This Business
01
Construction Contracts Act Retention Requirements
The Construction Contracts Act requires retention money to be held in trust for subcontractors on projects over $2M. Most NZ subcontractors don't track their retention trust position accurately and have no visibility into when releases are expected from each head contractor.
02
Payment Claims and Payment Schedules Are Mismanaged
The Construction Contracts Act creates specific rights and obligations around payment claims and payment schedules. Most NZ subcontractors submit payment claims without a financial system that tracks the response deadline, schedule amounts, and adjudication rights on each claim.
03
No Construction CFO Service Exists for Small NZ Subcontractors
New Zealand construction CFO services, where they exist at all, focus on large commercial and infrastructure contractors. The $1M–$12M NZ subcontractor has virtually no access to dedicated construction financial management — SPM fills that gap.
How SPM Fixes It
Retention Trust Tracking
We build retention trust tracking into your ControlQore job cost and WIP so you know exactly how much retention is outstanding by project, whether it's being held in trust as required, and when each release is expected.
Payment Claim and Schedule Tracking
We build payment claim tracking into your AR management so CCA payment schedule deadlines and adjudication windows are monitored — and your payment rights are protected on every project.
NZ GST-Compliant Bookkeeping
We structure your books to handle NZ GST correctly for construction — including input tax credits and GST treatment of retentions — so your IRD obligations are accurate and your job costing reflects true cost.
Service Tiers
Tier 01
Core Financial
Starts at $1,900 / month
- ControlQore setup and management
- Job costing aligned to your estimate structure
- Cost-to-complete tracking — updated monthly
- Full-service bookkeeping — minimum 30 min/week
- Vendor payments via ACH (you approve, we initiate)
- Accounts receivable management
- Bank reconciliations and transaction matching
- Controllership
- 1 monthly CFO meeting
- 60-day onboarding — books migrated to last taxable year
Most Popular
Tier 02
Executive Financial
Starts at $2,900 / month
- Everything in Core Financial
- Monthly WIP schedule — delivered every month, standard
- 13-week cash flow forecasting
- CEO Report — monthly financial dashboard
- 3 CFO advisory meetings per month
- Strategic accountability and actionable to-dos
- Direct access to Josh Luebker
Pricing by Revenue
Revenue Range
(Last 12 Months) |
Core Financial
Monthly |
Executive Financial
Monthly |
| Under $1M | $1,900 | $2,900 |
| $1M – $3M | $2,600 | $3,600 |
| $4M – $6M | $3,800 | $5,500 |
| $7M – $9M | $5,100 | $6,900 |
| $10M – $12M | $6,100 | $8,500 |
| $13M+ | Quoted | Quoted |
Vetted Partner Network
National Lien Services
When AR gets too long, we connect you directly to our lien services partner to protect what you've earned.
Additional cost — not included in monthly fee
Payroll Integration Partners
Prevailing wage and regular payroll software partners integrated directly with ControlQore job costing.
Additional cost — not included in monthly fee
Bonding Partners
Surety relationships and bonding capacity support. We prepare the financials — our partners get you bonded.
Additional cost — not included in monthly fee
Lending Partners
Working capital lines and equipment financing through vetted lenders who understand construction.
Additional cost — not included in monthly fee
Reviewed Financials
CPA-level financial statement reviews for banking, bonding, and large contract requirements.
Additional cost — not included in monthly fee
CPA Coordination
We work alongside your existing CPA — not replacing them. Clean books and job costing make tax time easier.
Included — no extra cost
Common Questions
Straight answers.
Does SPM understand the Construction Contracts Act?
We understand CCA payment claim rights, payment schedule obligations, retention trust requirements, and adjudication processes — and build your financial systems to monitor and protect your rights. For legal questions we work alongside NZ construction lawyers.
Is pricing in NZD?
Pricing for NZ clients is quoted in NZD at equivalent rates. Contact SPM to discuss NZ client pricing and engagement structure.
What's included in Core Financial?
ControlQore setup, job costing aligned to your estimates, cost-to-complete tracking, full bookkeeping (minimum 30 min/week), ACH vendor payments (you approve, we initiate), AR management, bank reconciliations, transaction matching, controllership, and 1 monthly CFO meeting. Starts at $1,900/month.
What does Executive Financial add?
Everything in Core plus monthly WIP schedule, 13-week cash flow forecasting, CEO Report, and 3 CFO advisory meetings per month. Starts at $2,900/month. WIP, cash flow forecasting, and the CEO Report are Executive tier only.
Do you handle payroll?
No. We have vetted payroll software partners — including prevailing wage integrations — that connect directly with ControlQore. Those are separate engagements at additional cost.
How long does onboarding take?
60 days. We migrate your books to the start of your last taxable year, set up ControlQore, and build your job costing structure. Fully operational in two months.
What software do clients use?
ControlQore. All SPM clients run on ControlQore for job costing and WIP. We set it up and manage it — you don't have to learn it. Clients switching from QuickBooks, Sage, or other platforms migrate during onboarding.
Do you work alongside our CPA?
Yes. We work alongside your existing CPA — not replacing them. Clean books and accurate job costing make their job easier at tax time.
What happens when we grow past $12M?
We have a clear graduation path. We prepare your financials, systems, and team for the transition and connect you with the right firm for your next stage of growth.