Construction CFO Services for Subcontractors
At $5–8M, payroll should not come down to checking the bank balance every week.
If it does, that’s not poor management.
It’s a financial system that never scaled with the business.
SPM, The Construction CFO, takes ownership of the money side so timing, billing, and job costs line up.
You know what’s coming in, what’s going out, and which jobs are worth the trouble.
Who This Is For
This is for subcontractors who have outgrown their current setup.
You’ve got crews working.
Jobs in progress.
Backlog on the books.
But too much of the financial side still depends on you.
At this size, that shouldn’t be normal.
What We Actually Do
We don’t advise from the sidelines.
We take ownership of the money side.
That means the numbers stop lagging behind the work.
Job Costing and Margin Tracking
You see job performance while the job is still running, not after the damage is done.
You know which jobs you repeat and which ones quietly pull the business backward.
Real Cash Flow Forecasting
You see cash timing alongside payroll and vendor payments.
No guessing. No hoping. No last-minute shuffling.
Billing and Retainage Support
Backlog turns into real money faster.
Billing is handled with leverage, not anxiety.
You stop floating GCs longer than necessary.
How The System Changes Things
When the business outgrows the system, everything feels heavier than it should.
Payroll still needs attention.
Cash timing lives in your head.
One late payment affects decisions it shouldn’t.
Too much financial thinking still runs through you.
That’s not an effort problem.
The system never caught up.
We fix that.