Josh Luebker speaks directly to subcontractors and GCs about the financial systems that determine whether a construction business survives or thrives — job costing, cash flow, WIP, and the four numbers that actually matter.
Josh Luebker came up through the trades — master electrician, project manager, $2B+ in personal construction experience across 150+ projects. He didn't learn construction finance from a textbook. He learned it from job sites, pay apps, and the moment a contractor realizes their P&L says profitable but their bank account says otherwise.
That's why contractors listen when Josh talks. He's not presenting theory. He's presenting the financial reality of the work they do every day — in language that actually makes sense to someone who built their business with their hands.
Today Josh runs SPM — The Construction CFO — serving commercial subcontractors doing $1M–$12M across every trade in the US and Canada. He speaks on the financial problems that are killing profitable construction businesses and the systems that fix them.
The most common call Josh gets starts the same way every time: "We're busy, we're profitable — but we have no money." This talk answers why. Not with theory. With the exact financial mechanics that drain a profitable construction business dry.
Most contractors manage cash reactively — they discover a problem when payroll is at risk. A 13-week cash flow forecast turns that into a 90-day early warning system. This workshop makes it practical for the contractor who never wants to become an accountant.
Kasey ran a $4.9M concrete subcontractor and trusted a GC's word on a T&M change order. He almost wrote a $137,000 check out of his own pocket — not because the GC was dishonest, but because his standard allowed work to start before a change order was approved. This talk is about what your business is actually built on.
ASA, ABC, NECA, MCAA, AGC, CFMA — any association with subcontractor members doing $1M–$12M. Josh speaks directly to the owner and operator, not the accounting department.
Regional and national construction conferences where subcontractors and specialty trades attend. Financial sessions that actually connect with contractors — not generic accounting lectures.
Supplier events, GC subcontractor days, equipment manufacturer roundtables, construction technology conferences. Any room where commercial subcontractors are trying to run better businesses.
45–60 minute keynote presentation. High energy, field-first, built around real contractor outcomes. Works for main stage and general sessions.
90-minute working session. Contractors leave with tools, frameworks, and a specific action to take back to their business. Interactive and practical.
Construction finance panelist. Brings the subcontractor financial perspective — job costing, cash flow, WIP — to any panel discussion on contractor operations or growth.
Deep-dive financial workshop for contractor groups. Covers cash flow, job costing, WIP, and forecasting in a single working session with live examples and Q&A.
Josh delivered a keynote to commercial construction contractors at the Converge Construction Summit in Chicago — covering the financial standards that separate profitable subcontractors from ones that stay stuck. June 5, 2025.
Josh Luebker quoted on billing strategy and pay app timing for subcontractors.
Construction finance for subcontractors — cash flow management without emergency credit lines.
Josh Luebker on building financial infrastructure for construction businesses.
Fractional CFO services for construction companies — what it is and how it works.
A construction CFO's guide to accounting for the cost of capital on subcontractor projects.
Over 50 live presentations on LinkedIn and YouTube covering cash flow, job costing, WIP reporting, pay-when-paid strategy, and subcontractor financial systems.
Josh Luebker speaking on construction financial systems for subcontractors. Converge Construction Summit, Chicago.
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