Fractional Construction CFO Services for Subcontractors.
Real job costing, cash flow forecasting, and financial clarity for $1M–$15M trades.
If you're running a subcontracting business and still guessing at your job costs or wondering why the bank account's empty after a "profitable" month this is for you.
We help field-driven trades get visibility into their numbers, project future cash needs, and stop margin bleed before it spreads. No fluff. No corporate nonsense. Just clarity, control, and confidence.
What Does a Construction CFO Actually Do?
A Construction CFO isn’t a bookkeeper. And they’re not just someone who closes your books at the end of the month.
They’re your right hand for job costing, cash flow planning, and financial strategy — built for the chaos of subcontracting.
While your CPA looks backward, a CFO looks ahead. We help you:
Spot margin bleed before it eats the job
Project cash needs weeks in advance
Compare estimated vs. actual job costs
Get confident in your breakeven and labor burden
Make financial decisions with numbers you can trust
It’s not about reports. It’s about control, over your money, your bids, and your growth.
Built for Subcontractors, Not Corporate Suits
This isn’t for general consultants or back-office managers.
It’s for owners in the field, the ones estimating on Sunday night, chasing invoices, and guessing where the money went after payroll hits.
We work best with subcontractors who:
Do between $1M and $15M in annual revenue
Work in trades like electrical, concrete, plumbing, sitework, and specialty contracting
Run lean teams and juggle 3–20 active jobs
Want clarity, not just QuickBooks dumps
Are ready to fix the chaos, not just file it away
If you’ve ever said “I don’t know if this job made money,” or “We’re busy but broke,” you’re in the right place.
Job Costing, Forecasting, and Real Financial Strategy
We don’t give you a stack of reports and walk away. We roll up our sleeves with you to fix what’s broken in the numbers and make sure every dollar has a job.
Here’s what’s included in our monthly CFO support:
Job Cost Tracking – Weekly review of actual vs. estimated costs so you can catch overruns before they snowball
Cash Flow Forecasting – Know what’s coming 30, 60, 90 days out — and stop running jobs with money you don’t have yet
Project Profit Reviews – We walk through each job live, fix coding mistakes, and find what’s bleeding margin
Monthly Financial Reports – Numbers in plain English. Not just totals, but what they mean and what to do next
Retention + Billing Support – Overbill smart, collect faster, and don’t let retention disappear into the void
Subcontractor-Specific Strategy – You’re not a GC. You’re not a developer. You need a CFO who knows field chaos and trade pressure
If you’ve ever said “I don’t know if this job made money,” or “We’re busy but broke,” you’re in the right place.
Built for Subcontractors. Proven in the Field.
Most construction financial systems are either too vague, too slow, or built for GCs and developers.
SPM was built inside subcontractor chaos.
Estimating errors, cash flow crunches, retention problems, and “profitable” jobs that left $6,000 in the bank.
Our system works because:
We track job costs weekly, not quarterly
You see actuals vs. estimates while the job is still active
We run cash flow and profit projections live, with you on the call
We don’t just drop reports — we walk through them with you
Every number is tied to action, not just accounting
You’re not hiring a reporting service. You’re hiring a field-savvy financial operator who builds clarity, control, and profit into every job.
What Subs Say After 30 Days
“I used to wonder where the money went. Now Josh walks us through it before the job’s even done.”
Concrete Subcontractor doing $6.5M revenue in Texas ⭐⭐⭐⭐⭐
“Josh saved us $80K by catching job bleed our CPA missed.”
Civil Subcontractor doing $3.2M in Tennessee ⭐⭐⭐⭐⭐
“We thought the job was on track. Then Josh showed us how we were bleeding $9,000 a week.”
Electrical Subcontractor $12.5M in California ⭐⭐⭐⭐⭐
Ready to Get Control of the Numbers?
If you’re still guessing at job costs, chasing cash, or wondering where the margin went, this is the turning point.
We don’t fix things with spreadsheets. We fix them with clarity, strategy, and a system that finally works for subs.
You’ll know where your cash is going, which jobs are bleeding, and what to do about it every single month.
No pressure. No prep. Just a real conversation with someone who’s done this before.