Fractional CFO Services for Construction Companies

A fractional CFO provides senior-level financial leadership on a part-time basis. For construction companies specifically, this includes building cash flow forecasts around project timelines and seasonal cycles, analyzing profitability by job type and crew, managing debt strategy, overseeing your bookkeeper's work for accuracy, and giving you the financial visibility to make confident decisions about hiring, equipment, and growth. We typically work with contractors doing $1M to $10M+ in revenue who need CFO-level thinking but don't have 40 hours a week of CFO work to fill.

Your bookkeeper records what already happened. Your accountant files your taxes. A fractional CFO tells you what to do next. We build 12-month cash flow projections, identify which jobs and service lines are actually profitable, create financial dashboards you can use weekly, and sit with you biweekly to help you make decisions — when to hire, when to buy equipment, how to structure pricing, and how much to pay yourself. These are questions your bookkeeper and accountant were never designed to answer.

Our fractional CFO services run $3,500 to $6,000 per month, depending on the complexity of your business, such as the number of entities, crews, and service lines, job volume, and how much accounting cleanup is needed. There is also a one-time $6,000 onboarding fee that covers the intensive first 30 to 60 days, where we audit your books, build your dashboard, create your initial cash flow projection, and do a full profitability assessment. After that, the monthly retainer covers your CFO calls, updated projections, ongoing analysis, and accounting oversight. For context, a full-time CFO costs $200,000 to $350,000+ per year.

Most of our construction clients are doing between $1M and $10M in annual revenue with 5 to 50 employees. That's the range where the financial complexity has outgrown what a bookkeeper can handle, but a full-time CFO isn't justified. If you're running multiple crews, managing cash flow across long project timelines, and trying to figure out which work is worth bidding on — you're exactly who this is built for.

Most clients see their first major financial insight during the onboarding phase — within the first 30 to 60 days. This is when we audit your books, restructure your P&L, and build your first cash flow projection. It's common to find mispriced jobs, miscategorized expenses, or debt payoff opportunities during this period. One construction client discovered they could save $36,000 in interest by paying off a high-interest loan early — something buried in their loan agreement that nobody had reviewed. Longer-term improvements in margins and cash reserves typically build over 3 to 6 months as the systems take hold.

No. We've worked with over 315 clients across 40+ industries, including healthcare practices, marketing agencies, ecommerce brands, restaurants, staffing agencies, and more. That said, construction and home services is our deepest vertical — we've worked with 100+ companies in this space including general contractors, excavation, roofing, HVAC, plumbing, electrical, and painting companies. That depth of experience means we understand the financial patterns specific to your trade.

Yes. We review or build your work-in-progress schedule, compare it to your job costing, and use it to spot over- and underbilled jobs early. If your job costing isn't set up correctly in your accounting system, we work with your bookkeeper to fix the structure so the reports are reliable.

A fractional CFO can't guarantee a surety decision, but sureties and banks look closely at the quality and timeliness of your financials, your WIP reporting, and your working capital. We help you produce clean, consistent reports and build the cash position that supports a stronger application.

We work with construction companies throughout the United States. Everything runs remotely, including CFO calls, dashboards, and reporting, so location doesn't limit what we can do for you.