WHAT IT COSTS.
A fractional CFO engagement with SPM The Construction CFO costs $1,900 to $22,400 per month, priced on your last twelve months of revenue across 7 published bands. Above $18.5M it's quoted individually. The range inside each band is the three tiers: Core, Strategic, and Platinum. One monthly fee covers the CFO work and whatever your tier adds, the bookkeeping and the controller work, plus a one-time onboarding fee to get you set up. No payroll, and the job costing platform is never a separate line item.
This is on the page because a construction owner comparing three firms shouldn't have to go through three discovery calls to find out who is in his range. If the number below is wrong for your business, you've saved a week. If it's right, the call is about the work and not about the price.
Pricing as of . These rates hold through .
Not sure it fits your setup? See who SPM is right for, or what the first 60 days look like. Want a one page summary to share with a partner or a banker? Download the one-pager (PDF).
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Within 48 hours of its October 1, 2026 release the book ranked on Amazon: #1 in Construction Industry, #1 in Home Improvement Estimating, #9 in Financial Accounting. Captured October 2, 2026 at 8:03 PM Central. On release day the Kindle edition was the #1 New Release in Financial Accounting, captured October 1, 2026 at 8:42 AM Central.
| Last 12 months revenue | Monthly fee | One-time onboarding |
|---|---|---|
| Under $1M | $1,900 to $3,300 | $1,000 |
| $1M to $3.5M | $2,600 to $5,300 | $1,500 |
| $3.5M to $6.5M | $3,800 to $8,300 | $3,000 |
| $6.5M to $9.5M | $5,100 to $11,800 | $4,500 |
| $9.5M to $12.5M | $6,100 to $14,900 | $6,000 |
| $12.5M to $15.5M | $7,400 to $17,650 | $7,500 |
| $15.5M to $18.5M | $9,400 to $22,400 | $9,000 |
| $18.5M+ | Quoted individually | Quoted individually |
The onboarding fee covers migrating your books back to the start of your last taxable year and getting you fully operational in 60 days. It's billed once, with your first invoice. It's the same for all three tiers. Your first month is prorated, and your monthly engagement starts on the first of the first full month.
Range reflects the three tiers below. Which one you're in depends on how much of the work you want off your desk. No payroll. No hidden line items. The onboarding fee is right here in the table.
Read your row straight off your last 12 months revenue. Each band starts where the one below it ends and includes that number, so a contractor at $3.5M reads the $3.5M to $6.5M row and nobody falls between two rows.
THE RANGE IS NOT NEGOTIATION. IT IS SCOPE.
Every band above shows a low end and a high end, and the difference between them is which of these three you're buying. All three include the CFO work, because that's the point of the engagement. What changes is how much of the finance function is still handled in your office.
You get the CFO work. Job costing built against the way you estimate, a 13 week cash forecast, monthly WIP, and a meeting every month that ends in decisions and never in a report.
Your bookkeeper still does the books.
Everything in Core, plus the bookkeeping and bank reconciliations done for you, and the job costing and WIP software set up, loaded with your cost codes, and managed every month. Use your own online software, or move to ours and we cover it.
A bookkeeper we choose does the books and reconciliations. No payroll.
Everything in Strategic, plus a controller we choose who handles your bills and receivables for you the way an in-house controller would. They call vendors, pay the bills and keep the accounting current. We plan the cash flow first, and you approve every payment because it is your money.
A controller we choose does the payables and receivables. No payroll, no pay applications, no collections.
ONE ENGAGEMENT, NO SCOPE GAPS.
THE FOUR THINGS WE DON'T DO.
Stated as plainly as the price, because a firm that's vague about its edges is a firm you will discover the edges of later.
60 DAYS TO FULLY OPERATIONAL.
Books are migrated back to the start of your last taxable year, so the year you're in is complete and comparable rather than beginning on the day you signed. If your tax year ends within three months, the migration goes through the last day of that year and the new structure starts clean from the next one, which avoids paying to rebuild a year that's about to close anyway.
Cost codes, the chart of accounts migration, and the WIP schedule template are built in month one. Job variance is readable in week two of live job costing. From there your own time in the system takes about five hours a month, which is one meeting and approvals, because the objective was never to teach you accounting.
One-time onboarding fee by revenue band, shown in the pricing table above.
The step by step is on what happens in your first 60 days, including what your CPA, your bookkeeper and your project managers still do.
A BOOKKEEPER IS NOT THE SAME PURCHASE.
A construction bookkeeper costs $800 to $2,500 a month in most markets and is a real service that real businesses need. It's a different purchase. A bookkeeper records what happened. What's on this page is the structure that makes what happened readable while a job is still in progress, plus somebody accountable for what you do about it.
The comparison worth making is against the cost of not having it. One job that closes eight points under bid on a $600,000 contract is $48,000. One month of missed retainage follow up on a job that closed out is often more than a year of this fee. That's the math, and the bookkeeper versus controller versus CFO page walks it properly rather than asserting it.
FREQUENTLY ASKED.
