Bonding Support · Surety-Ready Financials · Vetted Surety Partners
Bonding · Surety · Working Capital Ratios · Bonding Capacity · $1M–$12M
Construction
Bonding Support.
Bonding capacity limits growth more than almost anything else for commercial subcontractors. SPM prepares bonding-ready financials as part of both engagement tiers and connects clients with vetted surety partners who understand construction at the $1M–$12M range. Financials are included — surety partner services are separate.
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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
You Keep Hitting the Bonding Wall
Most contractors hit bonding capacity limits not because their revenue is too low but because their working capital ratios, equity position, and WIP presentation don't support the aggregate bonded work they need. The wall hits exactly when the opportunity is greatest.
02
Your Financials Aren't Formatted for Surety Review
Sureties look at specific ratios — working capital, equity, current ratio, WIP schedule format. If your financials aren't prepared with bonding in mind every month, you're leaving capacity on the table and scrambling every time your agent asks for an update.
03
You Don't Have a Surety Relationship
Surety is a relationship business. Contractors with strong surety relationships get more capacity, better rates, and faster approvals. Most small contractors don't have these relationships and don't know how to build them.
How SPM Fixes It
Bonding-Ready Financial Presentation Monthly
SPM manages your working capital ratios, equity position, and WIP schedule with bonding capacity in mind every month. When your surety asks for financials, they're ready, accurate, and formatted correctly — not a last-minute scramble.
Vetted Surety Partner Referrals
When you need surety support beyond financial presentation, SPM connects you with vetted bonding partners who understand construction at the $1M–$12M range. Additional cost — not included in the monthly fee.
Bonding Capacity Growth Strategy
Executive clients get strategic guidance on growing bonding capacity — working capital management, equity building, WIP schedule management — as part of monthly CFO advisory meetings.
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 bonding support included in the monthly fee?
Bonding-ready financial preparation is included in both tiers — your books, WIP, and working capital ratios are managed with bonding in mind every month. Surety partner services — actual bonding placement and surety relationship management — are available through SPM's vetted partner network at additional cost.
What financial ratios do sureties look at?
Sureties primarily evaluate working capital (current assets minus current liabilities), equity position, current ratio, the WIP schedule showing overbilled and underbilled position, and the relationship between net worth and aggregate bonded work. SPM manages all of these as part of the monthly engagement.
Do I need reviewed or audited financials for bonding?
At $1M–$12M, most sureties work with compiled or internally prepared financials reviewed for accuracy. As you grow and bonding programs increase, reviewed financials become necessary. SPM has vetted CPA partners for reviewed financials when your bonding program requires them — additional cost, disclosed upfront.
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.