AR Management · Active Collections · National Lien Services Partnership
AR Management · Collections · Lien Services · Retainage Tracking · Both Tiers
Construction Accounts
Receivable Management.
SPM manages accounts receivable actively — not just recording what's been billed. We track open invoices, flag slow payers, and connect you directly to our National Lien Services partner when collections need enforcement. Your AR is a financial asset. We protect it.
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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
Slow AR Is the Most Common Cash Flow Killer
The average subcontractor waits 56 days for payment after submitting a pay application. Many wait longer. Meanwhile crews need weekly payroll and suppliers want payment in 30 days. The gap between billing and collection is where most construction cash crises start.
02
Lien Rights Expire If You Don't Protect Them
Mechanic's lien rights have strict deadlines — preliminary notice requirements, filing windows, enforcement timelines. Most subcontractors let lien rights expire without realizing it, giving up their most powerful collection tool on every project.
03
Nobody Is Actively Following Up
Most construction bookkeepers record billing but don't actively chase collections. Open invoices sit and age until they become serious problems. By the time someone escalates, the leverage is reduced and the relationship is already strained.
How SPM Fixes It
Active AR Management Included in Both Tiers
SPM tracks every open invoice, flags invoices approaching 30, 45, and 60 days, and actively follows up on slow payers. Collections are managed before they become crises — included in Core and Executive Financial.
National Lien Services Partnership
When collections go long and enforcement is needed, SPM connects you directly to our National Lien Services partner. They handle preliminary notices, lien filings, and enforcement so your rights are protected and your leverage is preserved. Additional cost — not included in the monthly fee.
Retainage Tracking by Project
We track retainage separately by project so you always know how much is outstanding, when each release is expected, and which GCs are slow on retainage releases. Retainage doesn't disappear into a balance sheet line — it's tracked and followed up.
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.
Is lien services included in the monthly fee?
No. National Lien Services is a vetted partner — their services are at additional cost. What's included in both SPM tiers is active AR management, open invoice tracking, and the escalation process to connect you to lien services when needed. The referral and relationship management is handled by SPM.
When does SPM escalate to lien services?
We flag invoices at 30, 45, and 60 days and discuss escalation options at each milestone. For invoices approaching lien filing deadlines or where a GC is unresponsive, we recommend engaging National Lien Services proactively — before rights expire. The timing varies by state and contract type.
How is retainage tracked?
We track retainage as a separate line item by project in ControlQore — not lumped into general AR. Executive clients see retainage position by project on their monthly WIP schedule including expected release dates and aging. Core clients get retainage tracked in the books with active follow-up on slow releases.
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.