Fractional CFOs for 8-Figure Construction Companies
Companies We’ve Served
We've Been At This Since 2016
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 started Civil CFO after seeing too many 8‑figure contractors work insane hours for 3% net and constantly stress about cash. Our work is simple to say, hard to do: help owners turn chaotic, low‑margin operations into durable, profitable construction businesses.
Before Civil CFO, I served as a nuclear engineer in the United States Navy. The military forged the discipline, planning, and clear communication that now show up in how we run numbers, make decisions, and hold owners (and ourselves) accountable. Most of our clients value straight talk, reliability, and follow‑through. So do we.
Over the last decade, I’ve become one of the most recognized Fractional CFOs in the world. I’ve built the largest audience of Fractional CFOs globally and have coached thousands of CFOs and finance leaders on how to drive profit, cash, and clarity in owner‑led businesses.
Seeing that many firms up close has given us an unfair advantage: we’ve studied what the best Fractional CFOs do, what the worst ones do, and we’ve turned those patterns into the Civil CFO playbook we run inside your business so you skip years of trial and error.
A few facts about my work and Civil CFO:
• U.S. Navy veteran
• Built the largest audience of Fractional CFOs globally
• Trained and coached thousands of Fractional CFOs
• Led Civil CFO in guiding 90+ businesses toward higher margins and stronger cash
• Specializes in 8‑figure construction firms stuck around “3% and stressed”
When you work with Civil CFO, you’re not hiring a generic finance shop. You’re plugging into an operator‑led firm that lives in your world, speaks your language, and is obsessed with turning your effort into actual money in the bank.
Our Team
We Run on EOS®
Growth Mindset
- Having the humility to know we can be better.
- Having the hunger to want to be better.
- Having the discipline to close the gap.
Extreme Ownership
- Construction is messy. Jobs slip, change orders drag, and forecasts miss.
- We treat every miss as a lesson, not a verdict.
- We do post‑mortems, tighten assumptions, and upgrade your systems quarter after quarter.
- We’re never “done” – we’re always asking, “How do we run the next 10 jobs with less stress, tighter cash, and higher margins?”
Heart of a Teacher
- We don’t just send you reports and hope you read them.
- We translate WIP, cash flow, and margin into plain English and jobsite language so you can explain it to your superintendent or your banker without us in the room.
- We expect questions, we slow down to answer them, and we don’t move on until you’re confident making decisions from the numbers.
Core Values
Our Mission
They fail because they can't see their numbers.
Our mission is to end that.
