A CFO FOR COMMERCIAL SUBCONTRACTORS.
A fractional CFO does the forward looking work: forecasting cash, testing decisions before you commit to them, setting margin targets, and attending a monthly meeting where things get decided. We do that for commercial subcontractors doing $1M to $12M, on a flat monthly fee priced by your trailing twelve month revenue. We don't do payroll.
Most $1M to $12M contractors already have a bookkeeper and a CPA, and what they're missing is the person who works forward. A bookkeeper tells you what happened and a CPA files it, and neither one is responsible for whether you can fund payroll in nine weeks or whether the job you're about to bid can cover your overhead. That's the work here. You get a 13 week cash flow forecast, job costing built against how you estimate, monthly WIP, and a meeting each month that ends in written decisions with owners and dates. It operates as one layer of CFOS, our construction financial operating system, rather than as advice you have to go implement yourself.
WHAT THIS SERVICE COVERS.
ONE LAYER OF CFOS, NOT A STANDALONE PRODUCT.
This is one layer of CFOS rather than a standalone product. The forecast, the job costing, the benchmarks, and the monthly cadence are the same system whether you buy this service or the full engagement, which is why there are no scope gaps between what we do and what your bookkeeper does.
CFO advice delivered without the underlying system is where most fractional CFO engagements fail. A recommendation about pricing depends on job costing that reads against the estimate, and a recommendation about a hire depends on a forecast somebody maintains every week. Without both of those in place, the advice is a guess with a title on it.
The failure this service exists to correct is a profitable company with an empty bank account, which the Cash Control System addresses directly, and a company that can't tell which jobs earn, which the Job Profitability System addresses.
FLAT MONTHLY FEE. NO SURPRISES.
Priced by trailing 12 month revenue. No hourly billing. No payroll. The one-time onboarding fee is right here in the table.
| 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.
You stop guessing.
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.
Every job shows its margin while it is still open.
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.
You approve, and the money side gets handled.
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.
FREQUENTLY ASKED.
