Owner-Operator to CEO · Financial Transition · Construction Business Growth · Delegation
Owner-Operator to CEO · Construction Business Growth · Financial Systems · Delegation
Owner-Operator
to CEO.
Every growing construction subcontractor hits the same wall: you built the business on your expertise and relationships, and now the business is too big to run the way you've been running it. The financial transition from owner-operator to CEO is where most construction businesses either scale successfully or plateau permanently.
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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're the Bottleneck in Your Own Business
Every financial decision runs through you. You approve every invoice, manage every GC relationship, know every job's margin in your head. That works at $1M. It breaks at $5M. If you're still managing the finances manually at $7M, your growth ceiling is how many hours you can personally work.
02
The Business Can't Operate Without You
If you disappeared for 30 days, would the financial side of the business keep running correctly? Most owner-operators answer no — and that answer means the business isn't really a business. It's a job that you own. A business has systems that run without the owner managing every transaction.
03
You Don't Know What to Delegate or to Whom
The transition from operator to CEO isn't about working less — it's about working differently. Most construction business owners know they need to delegate but don't have the financial systems, reporting, or team structure to delegate confidently. Without visibility into what's happening financially, delegation feels like losing control.
How SPM Fixes It
Build the Financial Systems First
You can't delegate what isn't systematized. Before you step back from day-to-day financial management, you need job costing that runs without your interpretation, monthly WIP that anyone can read, cash flow forecasting that gives you 90-day visibility, and financial reporting that tells the story without you explaining it. SPM builds all of this during the 60-day onboarding.
The CEO Financial Cadence
A CEO manages by exception — reviewing reports, making strategic decisions, and intervening when something is off. The SPM Executive Financial engagement is designed around this model. Three monthly meetings, actionable to-dos, and a financial dashboard that tells you what matters. You spend 5 hours a month on financials — not 50.
Delegation Starts With Visibility
When you can see every job's margin in real time, when cash flow is forecasted 90 days out, and when financial problems surface in reports before they surface in your bank account — delegation becomes confidence, not guesswork. SPM gives you the visibility that makes stepping back feel safe instead of reckless.
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.
At what revenue level should I make this transition?
The transition should start before you need it — typically when revenue hits $3M–$5M and you're running 5+ active jobs simultaneously. Waiting until you're overwhelmed at $8M means you're building systems in a crisis instead of in advance. The best time to build financial infrastructure is when the business is busy but not yet breaking.
Does SPM replace my need to understand the financials?
No — and it shouldn't. SPM handles the execution. You still need to understand what the numbers mean and make decisions based on them. The goal is that you spend your time reading and deciding rather than building spreadsheets and chasing invoices. Every monthly meeting is partly an education session — we make sure you understand what the reports are telling you.
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.