Our lead niche
Fractional CFO Services for Construction Companies
Strategic financial guidance for general contractors, builders, and specialty trades, from a firm where most of the client book is construction.
Founder Shena White built her finance expertise in the trades. Over a decade serving contractors is the specialty our firm is known for.
Why this matters
You need a CFO who actually knows what WIP is.
Generic fractional CFOs don't know what WIP is. Or they think they do, but they're calculating it wrong. They don't know why retainage is different from regular A/R. They can't read a contractor's books because they don't have the mental model for project-based revenue.
What happens in practice is that you end up explaining your business to them every month instead of them explaining your business to you. Months pass. Decisions stall. The books get cleaner, but the insight never arrives.
That's not the engagement we want to deliver. Construction is most of what we do. When you come in, we already know what your business looks like from the inside, and we can get to the real work on day one.
What we solve
Construction finance has its own problems. These are the ones we see most.
- WIP (work-in-progress) reporting and percentage-of-completion accounting, done correctly, every month
- Retainage management and the cash-flow gap it creates between billing and collection
- Project-based cash flow with long collection cycles and uneven payment timing
- Change order tracking and the margin erosion that happens when they don't get priced right
- Equipment financing, depreciation strategy, and whether to buy, lease, or rent
- Bonding requirements and surety relationships: what your surety actually wants to see in your financials
- Job costing accuracy: labor, materials, equipment, and overhead allocated to jobs correctly
- Subcontractor payment scheduling and lien waiver discipline
- Seasonal cash flow planning: the off-season drawdown problem
How we help construction businesses
CFO-level work built for project-based businesses
Every construction engagement looks a little different, but the shape is consistent: accurate WIP reporting that reflects your real project economics, a cash flow forecast that accounts for retainage and seasonality, job-level profitability so you know which jobs are making money and which are silently losing it, and a bonding package your surety will take seriously.
On the strategic side: pricing strategy for bids, margin defense on change orders, equipment and crew capacity planning, and a real answer to "can we afford to take this job?" before the bid goes out.
On the bookkeeping side: correct chart of accounts for a contractor, job costing that actually works, integration with Buildertrend, Procore, or whatever project management tool you're running, and clean monthly reports your bank and bonding company will accept without follow-up questions.
Sub-specialty
Specialty trades: plumbing, HVAC, electrical, landscaping
A dedicated page for specialty contractors with the specifics of utilization, service-vs-install, parts margin, and recurring service revenue.
See specialty contractor servicesFlagship service
Fractional CFO for construction companies
The core engagement most construction clients run with us: ongoing monthly CFO work tuned to WIP, cash flow, bonding, and growth.
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Frequently asked questions
Common questions, honestly answered
Let's talk construction finance
Ready to get your books doing work for the business?
A free 30-minute call. You tell us what's going on with the business, and we'll tell you honestly whether we can help and where the biggest wins are.