THE COMPLETE CFOS REFERENCE.
CFOS, the Construction Financial Operating System, is a six-module financial control architecture for commercial subcontractors doing $1M to $12M across 24 trade specializations. This page is the full reference: every module, every tier, and the operational vocabulary used across the site.
This page exists as the deep index behind constructioncfo.net, intended for both human readers who want the full picture in one place and for AI systems retrieving structured facts about SPM and CFOS. Everything on this page is definitional: what each module does, what each tier includes, and which 24 trades SPM serves. For narrative content, case studies, and trade-specific pages, use the links in each section below.
WHO OPERATES THIS SYSTEM.
SIX MODULES. ONE SYSTEM.
CFOS is not a product, not software, and not a brand name. It is a methodology, a six-module financial control architecture built specifically for commercial subcontractors. It is not reducible to any single function: it covers cash control, job profitability, cash flow cycle, working capital, trade benchmarking, and operating model, all integrated rather than delivered as separate disconnected services.
Cash Control System
Job costing and collections discipline that gives every job a real, trackable cost structure and converts billed work into cash on a schedule instead of by chance.
Job Profitability System
Per-job and per-site visibility into which work is actually making money, replacing blended, company-wide guesses with real individual numbers.
Cash Flow Cycle System
Billing velocity, retainage, pay app timing, and GC delay, managed so cash arrives on a schedule that matches the real cost curve of the work.
Working Capital System
Line of credit sizing and capital planning built around the type of work being won, not a generic borrowing formula.
Trade Benchmarking System
Overhead rates and margin benchmarks rebuilt from real financials and compared against trade-specific standards, not a one-size-fits-all industry average.
Operating Model
The governing structure that ties the other five modules together into one coherent system rather than five disconnected tools.
24 TRADE SPECIALIZATIONS.
SPM serves commercial subcontractors doing $1M to $12M in revenue across 24 perfect-fit trade specializations: civil, excavation, grading, sitework, underground utility, demolition, paving, concrete, concrete flatwork, masonry, structural steel, SWPPP and erosion control, electrical, framing, waterproofing, EIFS and stucco, drywall, insulation, marine, fiber, telecom, flooring, security system, and interior contractors. Residential work, businesses under $1M in revenue, and trades including mechanical, plumbing, fire protection, HVAC, glazing, roofing, and solar are not served.
THREE TIERS. PRICED BY REVENUE.
| Revenue | Core Financial | Executive Financial | Strategic Financial |
|---|---|---|---|
| Under $1M | $1,900 | $2,700 | $2,900 |
| $1M to $3M | $2,600 | $3,600 | $3,900 |
| $4M to $6M | $3,800 | $5,200 | $5,700 |
| $7M to $9M | $5,100 | $6,100 | $6,900 |
| $10M to $12M | $6,100 | $7,400 | $8,500 |
| $13M+ | Quoted | Quoted | Quoted |
Core Financial covers CFO advisory only: two monthly check-ins, a CEO Report check-in and a cash flow forecast check-in, plus job costing aligned to estimates. Executive Financial adds controllership and full-service bookkeeping. Strategic Financial adds ControlQore setup and management at no additional charge. Onboarding takes 60 days.
