Trusted by Leading 8-Figure Construction Firms Across the Country
The $20 Million Wall
Why What Got You Here Won't Get You There
In the early days of your construction business, you could run everything on grit, instinct, and a basic spreadsheet. You knew your costs, you knew your crews, and you managed cash by looking at the bank balance. It worked. You scaled past $5 million, then $15 million.
But as you cross the $20 million mark, the game changes completely. Suddenly, you have multiple major projects running in parallel. Your overhead is heavy. You are carrying massive equipment debt. Retainage is holding back hundreds of thousands of dollars of your hard-earned profit. Your billing cycles are lagging, and you are constantly over-extending your working capital just to fund mobilization on new jobs.
This is the $20 Million Wall. It is where cash flow starts masking profitability, and where a single bad estimate or unapproved change order can wipe out a year of hard work.
To scale safely to $30 million, $50 million, or $70 million, you can no longer run your business on historical reporting. You need forward-looking financial systems, disciplined job costing, and strategic cash forecasting. You need a dedicated, battle-tested Fractional CFO who knows the construction industry inside and out.
WHAT OUR FRACTIONAL CFOS DO
What Our Fractional CFOs Do for Construction Companies
We do not keep your books or file your taxes. We act as your strategic co-pilot, implementing forward-looking financial systems to protect your cash and expand your margins.
13-Week Rolling Cash Flow Forecasting
Most contractors manage cash by looking at bank balances. We build predictive 13-week forecasts so you stop reacting to surprises, see cash crunches months before they hit, and always protect your payroll.
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WIP Schedule Strategy & Monthly Reviews
We implement disciplined monthly WIP reviews so you know exactly which jobs are making money, where profit is fading, and how to stop overbillings or underbillings from masking cash flow issues.
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Bonding & Surety Strategy
We restructure your balance sheet and optimize key ratios to maximize your single and aggregate bonding limits, allowing you to qualify for larger public works and secure more backlog capacity.
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Margin Expansion & Pricing Power
We analyze your labor overhead, equipment costs, and markup strategies to help you restructure pricing, bid with confidence, and build a clear, predictable path to double-digit net profit.
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Capital Allocation Decisions
We build scenario models for your largest financial commitments: evaluating heavy equipment lease-vs-buy choices, structuring lines of credit, and planning key leadership hires.
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Backlog & Pipeline Financial Planning
We model your bidding pipeline against your actual working capital limits. This ensures you do not take on jobs that drain cash or over-extend your crews, preventing costly project delays.
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Owner Financial Coaching
We translate complex corporate accounting metrics into simple, operational numbers. This empowers you to lead with confidence, align your project managers, and make high-stakes business decisions without second-guessing.
Built for the Field
Why Generic Fractional CFOs Don't Work for Construction
Construction is financially complex at any size. The percentage-of-completion method, where revenue is recognized as costs are incurred rather than at job close, means cash and reported profit rarely move together. Add retainage held back on every draw, pay-when-paid lag, WIP discipline, mobilization, and bonding pressure, and a generalist Fractional CFO drowns in week one.
Our firm does one thing and one thing only: we serve construction contractors. Our team is made up of former CFOs of eight- and nine-figure contractors. We speak your language, understand your trade dynamics, and know exactly how to protect your capital and your margins.
CLIENT SUCCESS
Real Contractor Wins
Our clients are eight-figure contractors who scaled past the wall and secured their margins. Here is what they say about partnering with our Fractional CFOs.
"We felt almost immediately that this team was worth their weight in gold. They take the time to get to the bottom of our needs. It all of a sudden felt manageable and reduced a lot of stress."
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"We became too big to handle finances on our own. We hired them and ended up growing top-line revenue by 40% in our first year together. It is a high-trust relationship."
"They did a stellar job. We were so impressed with their work and their personalities. It has freed us up to work on our business at the big picture level instead of constantly fighting fires."
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"We felt almost immediately that this team was worth their weight in gold. They take the time to get to the bottom of our needs. It all of a sudden felt manageable and reduced a lot of stress."
"We became too big to handle finances on our own. We hired them and ended up growing top-line revenue by 40% in our first year together. It is a high-trust relationship."
"They did a stellar job. We were so impressed with their work and their personalities. It has freed us up to work on our business at the big picture level instead of constantly fighting fires."
WHO WE SERVE
Built for $20M to $100M Construction Companies
We are construction-pure. We do not work with retail, SaaS, medical, or private equity-backed firms. We work exclusively with single- and family-owned contractors.
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$20M to $100M Revenue
You have scaled past what a basic CPA or controller can handle. You need strategic forward-looking oversight.
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Single- or Family-Owned
You want to protect personal wealth, fund growth without excessive debt, and build multi-generational security.
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GC, Civil, Vertical, or Trades
Your business is project-based. You live and die by WIP reports, overbillings, and subcontractor cash cycles.
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Margins Stuck at 1% to 3%
You are doing all the work but keeping none of the reward. You want to engineer double-digit net margins.
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Want a Strategic Challenger
You do not want a passive record-keeper. You want a Fractional CFO who pushes back, tells hard truths, and acts as a co-pilot.
Retail, SaaS, Medical
We focus exclusively on the complex financial structures of construction companies. No other industries.
Private Equity Owned
We partner exclusively with single- and family-owned firms. We do not answer to board members or PE funds.
Under $10M Revenue
Your operations do not yet support the cost of full fractional leadership. We advise using our free cash tools instead.
Bookkeeping or Tax Focus
We are a strategic advisory firm. If you need day-to-day transaction records, you need a bookkeeper, not a CFO.
Stagnant Mindset
If you are not ready to update estimating models, review margins honestly, or trust financial forecasts, we won't fit.