Fractional CFO — Commercial Construction — $1M–$12M — US & Canada
Fractional CFO · Construction · $1M–$12M · Done For You · US & Canada
Fractional CFO for
Construction Companies.
SPM provides fractional CFO services for commercial construction subcontractors and self-performing GCs doing $1M–$12M. Not advisory only — we do the work. Job costing, bookkeeping, WIP, cash flow forecasting, controllership, and strategic CFO advisory. One engagement, no gaps. US and Canada. Starts at $1,900/month.
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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 Need a CFO But Can't Justify Full-Time
A full-time CFO with genuine construction experience costs $150,000–$250,000 annually plus benefits. For a $5M subcontractor, that's not feasible. A fractional CFO gives you CFO-level financial leadership at a fraction of the cost — and SPM brings construction-specific expertise that a generic finance hire never will.
02
Your Bookkeeper Can't Do What a CFO Does
A bookkeeper records transactions. A CFO builds financial systems, identifies operational problems driving financial outcomes, manages cash flow proactively, supports bonding strategy, and holds monthly accountability. These are different functions — and most subcontractors only have the first one.
03
Generic CFO Firms Don't Know Construction
Most fractional CFO firms serve technology companies, professional services, and retail. Construction is operationally different — job costing, WIP, pay-when-paid, retainage, prevailing wage, bonding. You need a firm that lives in this world, not one learning it on your dime.
How SPM Fixes It
Construction-Specific Financial Leadership
Every SPM engagement is built around construction financial reality. Job costing aligned to estimates. Monthly WIP as a standard deliverable in Executive tier. Cash flow forecasting built around billing cycles. CFO advisory that understands your trade and your contract structure.
Done For You — Not Advisory Only
We don't just advise — we execute. Bookkeeping, job costing entries, ACH payments, bank reconciliations, WIP schedules, cash flow forecasts — done by SPM every month, not delegated to your office manager with occasional check-ins from us.
One Engagement, No Gaps
Core and Executive Financial tiers cover the full financial function in a single engagement. No handoffs between a bookkeeper, a controller, and a CFO. No scope gaps, no finger-pointing when something falls through. One team, everything covered.
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 makes SPM different from other fractional CFO firms?
Three things. First, we specialize exclusively in commercial construction subcontractors — we don't serve tech companies or retail businesses. Second, we do the work — bookkeeping, job costing, WIP — not just advisory. Third, all clients run on ControlQore which gives every engagement the same job costing and WIP foundation. Most fractional CFO firms can't say any of those three things.
What revenue range does SPM serve?
$1M–$12M. We work with any commercial subcontractor or self-performing GC in that range with projects 30+ days and fewer than 20 active projects per month. $13M+ is quoted individually. We have a clear graduation path for clients who grow past $12M.
How many hours per month does the owner spend with SPM?
About 5 hours per month. That includes the monthly meeting in Core tier and the three monthly meetings in Executive tier. The rest is handled by SPM — you don't manage the bookkeeping, the job costing entries, the WIP production, or the AP payments.
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.