RUN ON CFOS, THE CONSTRUCTION FINANCIAL OPERATING SYSTEM.
CFOS is the financial operating system SPM installs and operates for commercial subcontractors doing $1M–$12M. Not a dashboard. Not bookkeeping software. A six-module operating architecture that identifies the upstream operational failures causing financial instability (underpriced work, labor overruns, billing lag, WIP distortion, stalled change orders, weak collections, PM accountability gaps) and corrects them through the same monthly cadence, every engagement, every trade.
Most subcontractor financial problems have a clear operational cause. The bank account does not reflect what the business earned because a pay app went out late. The job that looked profitable closed at a loss because labor ran over on a phase nobody tracked. The LOC is maxed because three projects mobilized simultaneously and working capital was sized for last year's revenue. CFOS is the system that catches those failures before they compound. We do not wait for data. We know what is broken before we see the first number. The first 60 days are fixing it.
What CFOS Actually Is
Six modules. Each one fixes a specific layer of the financial structure. SPM runs all six on every engagement, not as separate services, but as one integrated system.
Cash Control System
Payroll timing, AR aging, LOC management, cash position. The layer that keeps Friday from becoming a crisis.
Job Profitability System
Per-project job costing aligned to estimates. Cost-to-complete. Labor variance. See which jobs make money while they are open.
Cash Flow Cycle System
Billing velocity, pay app timing, AR follow-up rhythm, and 13-week cash forecasting. Stop the feast-or-famine pattern.
Working Capital System
Bonding capacity, surety relationships, LOC management, and capital requirements forecasted against your backlog.
Trade Benchmarking System
Gross margin, net margin, and overhead rate benchmarks by trade. Know where you should be, and what is holding you back.
Operating Model Definition
How SPM runs your financial control function. Monthly cadence, who does what, what gets reported, and how it stays running without you in every meeting.
Not a Dashboard. Not a Bookkeeper.
Generic bookkeeping records what happened. A dashboard shows you a number. Neither one tells you why the number is wrong or what to do about it.
CFOS is an embedded financial control function. SPM runs it. You attend one monthly meeting and handle 5–10 hours of financial work a month. Everything else is handled: job costing, bookkeeping, bank reconciliations, AR follow-up, cash forecasting, WIP reporting, and monthly reporting.
The first 60 days are migration and installation. Day 60 is proof. Clean books, job costs aligned to estimates, and a 13-week cash forecast showing what is coming. Not the start of trying. Proof that it is working.
The engagement promise: We do not wait for data. We know what is broken before we see a number. A $4.9M concrete contractor was doing $161K net on $4.9M revenue. In the first week we collected $203K in overdue AR. By year end: $1.1M net profit. First year. Same business. See the case study →
What CFOS Has Done
Every Trade Has Its Own OS Page
Each trade has specific cash failure patterns, billing structures, and job costing requirements. The OS page for your trade explains exactly why contractors in your trade run out of cash, and how CFOS fixes it.
FLAT MONTHLY FEE. NO SURPRISES.
Two tiers based on trailing 12-month revenue. No hourly billing. No payroll. No scope gaps between services. Everything included in the flat monthly fee.
- ControlQore setup and job costing structure
- Books migrated to start of last taxable year
- Full-service bookkeeping
- Bank reconciliations
- Monthly job cost reports
- Everything in Core Financial
- Monthly CFO advisory meeting
- Controllership and WIP reporting
- Cash forecasting and AR follow-up
- Strategic accountability and to-dos
Onboarding: 60 days. Fully operational by day 60. Full pricing by revenue band →
FREQUENTLY ASKED.
