Growing Past $12M — Graduation Path — Transition Planning
Growth Path · $12M · Graduation · Transition Planning · What Happens Next
The SPM
Growth Path.
Most CFO firms either hold on to clients too long or disappear when you outgrow them. SPM is different. We serve $1M–$12M contractors — that's our lane and we stay in it. When you grow past it, we have a clear path. We prepare your financials, systems, and team for the transition — and connect you with the right firm for your next stage.
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See Pricing
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
Growing Fast Without Financial Infrastructure
The most dangerous phase for a subcontractor is $5M–$10M. Revenue is growing but financial systems haven't kept up. Cash crises, bonding walls, and margin erosion all peak in this range — because the business outgrew its financial infrastructure without anyone noticing.
02
The Jump From $10M to $20M Requires Different Systems
The financial infrastructure that works at $10M breaks at $20M. More complex WIP, multiple entities, bonding programs requiring reviewed or audited financials, banking relationships needing a full-time or near-full-time CFO. The transition requires deliberate planning — not a scramble.
03
Most Firms Don't Tell You When It's Time to Move On
Most fractional CFO firms keep clients as long as possible regardless of fit — because revenue. The result is clients stuck with systems and support that aren't right for their stage, getting advice from a firm that's no longer equipped to serve them.
How SPM Fixes It
We Tell You Before You Hit the Wall
When your revenue trajectory, bonding complexity, and entity structure show signs of outgrowing the $1M–$12M framework, we tell you proactively — not when you're already in trouble. The conversation happens during monthly advisory meetings, not in a crisis.
We Prepare You for the Transition
We clean up your financials, build WIP to reviewed-financial standards, document your financial systems and processes, and prepare your team for the transition to a full-service firm or an in-house CFO hire. You arrive at your next stage ready — not scrambling.
We Make the Right Introduction
We have relationships with firms that serve $10M–$70M construction contractors. We make the introduction, brief the new firm on your financial history and systems, and ensure a clean handoff. You don't start over from scratch with a new firm that knows nothing about you.
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.
What triggers the graduation conversation?
Revenue approaching $12M consistently, bonding requirements that need reviewed or audited financials, entity structures requiring full-time CFO attention, or banking relationships requiring more dedicated financial management than the SPM engagement provides. We watch for these signals and raise the conversation proactively.
Does SPM ever serve clients above $12M?
$13M+ is quoted individually. Some clients in the $12M–$15M range remain with SPM as their revenue stabilizes at that level. The graduation path applies to contractors on a sustained growth trajectory past $12M — not to contractors who hit $13M once and fluctuate.
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.