You’re slammed with work.
Crews are busy, bids are going out, jobs are closing — but somehow the bank account still doesn’t show it.
Your P&L says you made money. But your gut — and your cash flow — say otherwise.
If that’s hitting close to home, you’re not alone. A lot of contractors are stuck in that exact spot.
This is where a fractional CFO comes in — not just some fancy accountant, but someone who helps you actually understand where your money’s going and how to fix it.
What a Fractional CFO Actually Does (in Plain English)
Let’s be clear: this isn’t your tax guy.
A fractional CFO doesn’t file paperwork once a year and disappear. They get in the trenches with you — to find where the money’s leaking, get you ahead of problems, and give you real numbers you can trust.
Here’s what that looks like for a contractor:
🔍 Tracks Your Actual Job Costs (Not Just Guesswork)
Most contractors rely on mental math or outdated spreadsheets. A CFO digs into your books and tells you exactly:
- What you’re making (or losing) per job
- Which crews or subs are profitable
- Where labor or materials are killing margin
No more guessing. No more “we’ll figure it out later.”
📆 Fixes the Timing Between Billing and Cash
Draws get delayed. Clients slow-pay. Meanwhile, payroll’s due Friday. A CFO helps you:
- Project cash flow out weeks in advance
- Time your invoicing and payments strategically
- Avoid “profitable” jobs that starve your cash
It’s not about more revenue — it’s about keeping what you earn.
📊 Translates the Numbers into Decisions
You don’t need to read a P&L like a CPA. You need someone to tell you:
- Can I afford to hire?
- Do I need to raise prices?
- Are we scaling or sinking?
A good CFO turns your mess into clarity — and gives you confidence to make the next move.
Why Most Contractors Wait Too Long to Get Help
Most contractors don’t call a CFO when things start going sideways.
They wait until they’re underwater — juggling payroll, robbing Peter to pay Paul, and wondering why “profit” never feels like money.
Why?
Because on the surface, the business looks successful:
- Jobs are booked out months in advance
- The P&L shows a decent margin
- There’s always work happening
But behind the scenes:
- Job costing is a mess
- You’re fronting too much cash
- The numbers don’t match reality
And when you do ask for help, most accountants shrug and say,
“Well, your P&L looks fine.”
That’s not good enough.
You don’t need a report — you need a plan.
Real-World Wins: What Happens After You Bring in a CFO
Most contractors don’t realize how close they are to turning things around — they just need someone to show them where to look.
Here’s what usually happens after we get a look at the numbers:
- Labor gets dialed in.
We spot where time is leaking (think: untracked labor, overtime surprises, or underbid hours) and help you fix it fast. - Your pricing finally makes sense.
We show you which jobs are underpriced and where your overhead is sneaking into margins. - Cash flow evens out.
Once we line up billing and payables with a plan, the constant cash crunch eases — without needing a loan.
You don’t need a 10-year plan. You need a clear view of next month — and that’s where the CFO earns their keep.
What a Profit Checkup Reveals (and Why It Matters)
If your gut says something’s off — trust it.
The Free Profit Checkup shows you what’s really going on under the hood.
You’ll get a no-fluff breakdown of:
- Which jobs are bleeding cash
- How much you’re really keeping after expenses
- What needs fixing first to stabilize profit and cash flow
It’s not a sales call.
It’s a clear-eyed look at your numbers — through a contractor lens, not an accountant’s spreadsheet.
👉 Ready to See What a CFO Would See?
Take the Free Profit Checkup — and stop flying blind.
How the Profit Checkup Works
Step 1: Answer a few questions about your jobs, billing, and cash flow
Step 2: We review the numbers and spot key issues
Step 3: You get a custom report + recommendations — free and no pressure
It’s simple, fast, and eye-opening. Most contractors walk away saying,
“I had no idea that was the problem.”
👷 FAQ: Fractional CFOs for Contractors
What’s the difference between a bookkeeper and a CFO?
A bookkeeper records what happened.
A CFO helps you plan what’s going to happen — and how to make better decisions with your money.
Do I need a CFO if I already have a CPA?
Most CPAs focus on taxes and compliance. A fractional CFO focuses on strategy, job profitability, and helping you actually use your numbers to grow.
When’s the right time to bring in a fractional CFO?
If you’re doing over $500K/year and still feel broke, it’s time.
The earlier you get clarity, the easier it is to grow without chaos.
💬 What Contractors Are Saying
“I always thought we were doing alright… until the Profit Checkup showed we were barely breaking even on most of our jobs. One fix to our labor tracking and it changed everything.”
— Owner, Twin Cities Remodeling Company
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