About Us
Replace financial frustration with clear, strategic leadership -
so your construction firm can achieve lasting success.
We've Been At This Since 2016
Our Fractional CFOs each bring decades of proven experience, guiding construction companies just like yours to profitably scale from 7 to 8 and even 9 figures.
Gain all the strategic advantages of a seasoned, full-time CFO - without the hefty salary, benefits, PTO, equity, or recruitment costs. Get clarity, profitability, and growth at 30%-40% of the traditional cost.
Meet Michael King, CEO
I'm Michael King, a financial strategist who didn't always speak the language of business finance. My career started as a nuclear engineer on submarines in the U.S. Navy.
After moving into the business world in 2011, I quickly realized there were so many construction companies with impressive revenues that struggled to use their financial data to make informed decisions. They needed strategic financial leadership, but hiring a top-tier CFO—with salary, benefits, and equity—was crazy expensive.
Determined to solve this gap, I founded Civil CFO. Over the past decade, my team and I have successfully helped 93+ businesses achieve substantial growth, improved margins, and reduced debt through expert CFO guidance—all at a fraction of the cost of hiring a full-time executive.
That's the power of strategic financial leadership, and it's the impact we're committed to delivering to you.
- Michael King
Meet Michael King, Founder & Fractional CFO
I’m a financial wizard and all-around numbers guy (who used to know absolutely nothing about business finance).
In a past life, I was an engineer for the U.S. Navy.
But because a career as a nuclear engineer on submarines wasn’t quite difficult enough, I decided to dive into the treacherous waters of the business world.
It wasn’t long before I realized that all the smarts in the world wouldn’t help me if I didn’t boost my financial literacy. Even worse, I saw driven professionals just like me suffering because there’s no Rosetta Stone for languages like “Finance” and “Accounting.”
I decided to do something about it.
I made it my mission to help business owners understand their numbers, increase their profits, and make savvy decisions. 10 years, one MBA, and 200+ clients later, I’ve found the perfect formula to help business owners grasp the essentials without paying thousands of dollars for consultants and gurus. I’ve created the KFE Fractional CFO & Executive-Level Financial Coaching system to provide CEOs with a roadmap to strategic growth.
My team of financial experts and I use our decades of experience to bring you valuable insights that allow you to reach your true potential.
- Michael King
Our Team
Join the Team
Click here to apply for
our open positions
We Run on EOS®
We use the Entrepreneurial Operating System (EOS) to keep things running smoothly. It helps us stay organized, focused, and on track, so we can give you the best possible support and results for your business.
Core Values
Growth mindset
Having a growth mindset means:
- Having the humility to know you can be better.
- Having the hunger to want to be better.
- Having the discipline to close the gap.
Impact Driven
We have a unique opportunity to impact literally tens of thousands of people through our efforts every day. In order to do this, we have to think beyond spreadsheets and financial statements. We focus on how decisions impact our clients, their families, their employees, their vendors, and their communities.
There is a heavy responsibility that comes with the realization that we aren’t just driving financials - we are impacting human beings.
This is what motivates us.
Extreme Ownership
Extreme ownership means no excuses. We aren’t victims of our circumstances or the actions of others. We own our mistakes and proactively take steps to correct them.
Extreme ownership means taking control of our days by relentlessly prioritizing the right tasks and saying no to everything else.
Generous
We are generous with our time, talents, money, and other resources.
We do this because it’s in our DNA, not because we expect anything in return.
Heart of a Teacher
Give a man a fish and you feed him for a day. Teach a man how to fish and you feed him for a lifetime.
We look for opportunities to serve others through teaching. To do this well, we must be patient and empathetic. We must communicate clearly and on a level that serves our audience. But we cannot forget to be world class listeners as well or the rest doesn’t matter.
Gracious
It’s hard to be hateful when you’re grateful.
We proactively seek opportunities to bring a smile to others by acknowledging them and thanking them.
Our Mission
Over half of small businesses in the US fail in the first 5 years due to poor financial planning - we’re here to end that.
“We felt almost immediately that Michael was worth his weight in gold. He’s very good at communicating and he takes 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 Michael in October 2019 and ended up growing top-line revenue by 40%. Michael really understands our preferences and comfort level. It’s a high-trust relationship.”
“We hired Michael and his firm to do a deep dive into our books. They did a stellar job. We were so impressed with their work and their personalities. They listened really well to our needs and our core values. It’s freed us up to work on our business at the big picture level.”
Ready to take the next step?
Take control of your business finances and make decisions with clarity and confidence.