Get Control of Your Cash Flow and Job Margins in 90 Days
We Help Home Builders Keep More of What They Earn.
Fractional CFO support for construction companies doing $1M to $10M who want fewer surprises, stronger margins, and predictable cash flow.
15-minute clarity call. Built for owners. No obligation.
Three Things We Fix. That's It.
We don't try to do everything.
We do three things really well — and they're the three things that keep builders up at night.
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Real-time job costing.
WIP reports that show your true position — not what QuickBooks says. You'll know which jobs are making money and which ones are bleeding. By project, by trade, by phase. Updated weekly.
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A 13-week cash forecast so you always know what's coming.
We fix your billing timing, speed up collections, and manage your bonding capacity — so you can bid on bigger work without overextending yourself.
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You're not just building houses.
You're building a business. We help with long-term planning — taxes, growth strategy, and getting the business ready for the next generation if that's where you're headed.
Most home builders don’t fail because of bad work.
They fail because they lose financial control while projects are still in progress.
The 'Construction Cash Trap' is real:
If you’re like most construction owners in the $1M to $10M range, this probably feels familiar:
The Cash Flow Gap: Paying for lumber and labor weekly, but waiting 45+ days for draws and retainage.
The Profit Fade: Losing 5% net margin on Change Orders that get done in the field but never make it to the invoice.
The WIP Trap: Paying taxes on 'phantom profit' because your Over/Under billing is miscalculated.
Residential construction hides financial risk until the job is finished.
Without job-level tracking, cash forecasting, and margin control, most builders are flying blind.
This Isn’t an Accounting Issue
Most builders already have a bookkeeper. Many work with a CPA.
That’s not the problem.
What’s missing is ongoing financial oversight while jobs are still in progress.
That’s Why Our Fractional CFO Support Exists.
We provide part-time, ongoing financial leadership so builders can see problems before they hit cash, margins, or payroll.
This is not bookkeeping.
This is not tax preparation.
This is financial control while jobs are still in progress.
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The problem isn’t revenue.
It’s timing, visibility, and decision-making while jobs are active.Builders usually don’t know:
Where cash will be 30, 60, or 90 days out
Which jobs are drifting into low-margin territory
Whether growth decisions will tighten or relieve cash
A fractional CFO exists to surface these risks early, while there’s still time to act.
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Bookkeeping tells you what already happened.
A CPA focuses on tax compliance and reporting.Neither is designed to guide decisions during live projects.
Fractional CFO support fills the gap by:
Interpreting numbers in real time
Connecting financial data to operational decisions
Helping owners act before problems become permanent
This is not bookkeeping.
This is not tax prep.This is financial leadership.
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Each month, we focus on four things:
Cash Flow Control
Rolling forecasts that show pressure points weeks aheadJob Profitability
Ongoing margin tracking so losses don’t hide until closeoutClarity for the Owner
Clean, readable reporting that answers real questionsDecision Support
Hiring, pricing, and growth choices backed by numbers
The goal is fewer surprises and better decisions.
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Most builders gain:
Clear cash visibility for the first time
Early warning on margin erosion
Less stress around payroll and vendors
Confidence making growth decisions
You stop reacting.
You start planning. -
Fractional CFO support works best for builders who:
Are growing but feel financial pressure
Have multiple jobs running at once
Are making decisions without clear numbers
Want control, not complexity
If you’re still guessing, this is usually the missing layer.
What Does the Fractional CFO Include Each Month?
Each month, clients reliably receive:
Cash Flow Management
13-week rolling forecasts, draw planning, and liquidity tracking.Job & Project Profitability Tracking
Real-time job costing, margin monitoring, and variance analysis.Budgeting & Forecasting
Annual budgets, rolling forecasts, and scenario planning.
Financial Reporting
Clear monthly dashboards showing cash, margins, backlog, and burn rate.
Strategic Growth Support
Support for pricing, hiring, equipment purchases, and expansion decisions.Owner Advisory
Monthly strategy calls focused on risks, opportunities, and priorities.
In simple terms: you know where your money is, where it’s going, and what to fix before problems grow.
Our Value vs Hiring Internally
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Full-Time CFO
High Cost, Fixed Overhead.
-Full-time salary, benefits, bonuses-Cost exists whether workload is there or not
-Hard to scale down or unwind
-Capital tied up in payroll
Result: Expensive commitment early in growth.
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Fractional CFO
Same leadership. Lower cost.
-Predictable monthly fee-No benefits or payroll burden
-Scales with your business
-Focused on decisions, not hours
Result: Control, clarity, and flexibility.
Get Started With a Free Business Evaluation
Find out if your business is a good fit for our services. Book a free meeting with our team to start the evaluation.
Benefits of our Fractional CFO Services:
How We Support Your Home Construction Business
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Cash Flow Control
13-week rolling forecasts that show pressure points before cash gets tight
We track timing across payroll, subs, materials, and draws so you can see cash issues weeks ahead.
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Job Profitability
Clear job margin tracking while projects are active
We monitor job costs in real time so margin erosion doesn’t stay hidden until closeout, when nothing can be fixed. -
Financial Clarity
Simple reporting built for owners, not accountants.
You see what matters most: where money is coming from, where it’s going, and what needs attention. No noise.
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Decision Support
Growth decisions backed by real numbers.
Hiring, pricing, expansion, and equipment purchases are evaluated before you commit, not after consequences appear.
Our Fractional CFO Transformation:
From Blind Guessing to Data-Driven Control
Now: Guessing
Guessing bank balances before writing checks.
Profit is a surprise at year-end.
Subs calling to ask when they'll get paid.
Drowning in receipts and disorganized change orders
After: Control
Knowing exactly what projects are generating profit today.
Cash flow forecasts updated weekly.
Professional financial packs for bank and bonding limits.
Spending your weekends with family, not spreadsheets.
What You Gain in the First 90 Days
Within the first 90 days, most builders have:
Clear cash flow visibility
Improved job margin insight
Clean, usable financial reporting
Fewer financial surprises
A clear plan to improve cash flow, margins, and control
This is about replacing guesswork with clarity.
Built by Financial Leaders Who Know Construction
We’re not just accountants.
We’re partners who work alongside construction owners to help them understand their numbers and make better decisions.
Our team brings experience across:
Residential and commercial construction
Real estate development and property management
CFO, controller, and cost management roles
We understand the pressure of managing cash, margins, and growth while projects are still in motion.
That’s why this service exists.
20+ Years of Construction Finance Experience. On Your Side.
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Jose Rios
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Nancy Cheung
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Gardy Charlot
The Strategic Hand You Need.
Hiring a full-time Construction CFO costs $250k+.
We provide that same senior-level guidance: 13-week cash modeling, bank negotiation, and margin protection—for a predictable monthly fee.