Fractional CFO for construction & trades companies
Know which jobs actually make money.
CFO-level leadership for owner-led contractors and trades businesses doing $2–25M, without the cost of a full-time CFO.
- Job costing
- WIP schedules
- ASPE 3400
- Holdbacks & cash
- Bank & bonding
Where contractors lose profit and cash
Choose a challenge to see what we do about it, and the decision it helps you make.
Profit found out at year-end
Without job costing and a work-in-progress schedule, margin problems show up months too late.
Job costing by phase and a monthly WIP schedule with over- and under-billings.
Cash squeezed by holdbacks
Crews and suppliers get paid long before progress billings and holdbacks come in.
A rolling cash forecast built on billing schedules, holdback release dates and payroll.
Estimates that never get checked
If estimates are not compared with actual costs, the same underpricing repeats job after job.
An estimate-versus-actual review on every finished job, by cost type.
Pressure from banks and sureties
Lenders and bonding companies want reliable WIP reports and financials, on time.
WIP reports and financial packages your bank and surety can rely on, on a set schedule.
The One Clear Path for contractors
The One Clear Path, applied to your business: one structured process, alongside your bookkeeper and accountant.
- 01
Get Oriented
A clean baseline: job-by-job margins, a WIP schedule and a view of where the cash goes.
- 02
Define the Targets
Target margins by job type, a cash buffer for slow seasons and capacity you can staff.
- 03
Monthly CFO Guidance
A scoreboard with job margins, WIP and a rolling cash forecast, plus clear priorities.
What is one point of margin worth?
Move the sliders. Small improvements in pricing, mix and costs add up faster than most owners expect.
That is $480,000 over three years, from the same sales.
Find your points Illustration only: revenue × margin improvement. Your numbers will differ.Construction & trades: common questions
Anything else? Call 778-651-9736 or book a Right-Fit Call.
What is a WIP schedule?
A work-in-progress (WIP) schedule lists every active job with its contract value, costs to date, estimated costs to complete and billings. It shows whether each job is over- or under-billed, and it is what banks and bonding companies look at first.
What is percentage-of-completion accounting (ASPE 3400 and ASC 606)?
In Canada, ASPE Section 3400 lets private companies recognize revenue on longer contracts as the work progresses, often based on costs incurred compared with total estimated costs. In the US, ASC 606 does much the same by recognizing revenue over time. Either way, it gives a truer monthly picture than waiting until a job is finished, and it depends on reliable cost estimates.
How much does a fractional CFO cost?
Engagements are flat monthly packages, so there are no hourly surprises. The fee depends on the size of the business and the scope of work; we discuss it openly on the Right-Fit Call.
Will you replace my bookkeeper or accountant?
No. We work alongside your existing bookkeeper, accountant and accounting system, and add CFO-level analysis and decision support.
Do you work on-site?
Yes, on-site in Vancouver, Victoria and Seattle, and remotely with businesses across North America. Monthly guidance runs on video calls and shared reporting, with visits when it matters.
Start with a 20-minute Right-Fit Call.
No pitch. No pressure. Just a clear look at what’s happening in your business, and whether CFO-level support would materially help.