As soon as you start to think about your business, an accountant can help you take the next steps. We can discuss your business's organization, tax purposes and operations, along with target pricing and profit margins.
Get some impartial advice from an accountant before you consult the bank. A bank will want to see a strong business plan and organized records. Let us help you get ready for your business's next step!
Does your accountant return your calls? Do you feel comfortable asking them a question? Do you feel heard? With the right accountant, the answers should be a resounding "Yes!"
We specialize in helping construction companies in the $5M–$30M range scale with confidence. At this stage, growth brings complexity—larger projects, tighter margins, increased cash demands, and higher expectations from lenders and sureties. Our firm is built specifically to navigate these challenges and turn your financials into a tool for growth.
Proven Experience in Your Industry
-Deep focus on construction companies between $5M and $30M in revenue
-Extensive track record helping companies increase profitability, improve cash flow, and expand bonding capacity
-Real-world experience supporting businesses as they grow into larger, more complex operations
Elite Training and Financial Expertise
-Advanced training in construction financial management, job costing, and WIP reporting
-Strong understanding of what sureties, lenders, and owners expect
-Ability to identify issues quickly and implement solutions that drive results
A Track Record of Growth
-Help clients move from smaller projects to larger, more profitable work
-Improve financial visibility and decision-making at every level
-Support long-term, sustainable growth—not just short-term fixes
Technology-Driven Approach
-Leverage modern financial tools and automation to improve accuracy and efficiency
-Utilize AI-driven insights to enhance forecasting, reporting, and decision-making
-Work seamlessly with industry-standard platforms like QuickBooks
-Integrate with leading construction project management systems such as JobTread
Built for Where You’re Going
-We don’t just manage your numbers—we help you use them to grow
-Align your financial strategy with your operational goals
-Position your business for stronger bonding, better banking relationships, and larger opportunities
The Bottom Line
We combine industry-specific expertise, elite training, and modern technology to help construction companies scale smarter. Our focus is simple: give you the financial clarity and strategy needed to grow from where you are today to where you want to be.
As your construction company grows into the $5M–$20M range, your financial needs go beyond basic bookkeeping. While a bookkeeper records what has already happened, a controller ensures your financials are accurate, structured, and actively used to manage and grow the business. This distinction becomes critical as projects get larger, cash flow becomes more complex, and bonding, lending, and profitability all depend on the quality of your financial information.
Bookkeeper
-Records daily transactions (invoices, expenses, payroll)
-Keeps financial data organized and up to date
-Focused on historical data entry and basic reporting
Controller
-Oversees and ensures accuracy of financial reporting
-Implements systems for job costing and WIP tracking
-Analyzes financial performance and profitability
-Prepares your business for bonding, banking, and growth
-Provides insight to support better financial decisions
Why This Matters for a $5M–$20M Construction Company
Accurate Job Costing
-Understand which projects are actually profitable
-Prevent margin erosion across multiple jobs
Reliable WIP Reporting
-Essential for bonding and lender confidence
-Gives visibility into over/under billing and project health
Stronger Financial Controls
-Reduce costly errors and financial blind spots
-Improve consistency across projects and reporting
Better Cash Flow Management
-Plan ahead for payroll, materials, and project timing
-Avoid cash crunches as you scale
Increased Bonding Capacity
-Clean, structured financials improve how sureties evaluate your business
-Supports approval for larger and more concurrent projects
The Bottom Line
-A bookkeeper tracks the past
-A controller helps you manage the present and prepare for the future
As your construction company grows into the $5M–$20M range, financial complexity increases—more projects, tighter margins, larger cash demands, and higher expectations from lenders and sureties. A bookkeeper records transactions, and a controller ensures accuracy, but a fractional CFO goes a step further by turning your financials into a strategic tool for growth. They focus on improving profitability, increasing bonding capacity, and helping you make informed decisions that move the business forward.
How a Fractional CFO Adds Value
Strategic Financial Leadership
-Aligns your financials with growth goals
-Helps you plan for expansion, hiring, and larger projects
Improved Profitability
-Analyzes job performance and margins
-Identifies where you are making or losing money
Cash Flow Forecasting and Planning
-Anticipates cash needs across multiple projects
-Helps prevent cash shortages as you scale
Bonding and Banking Readiness
-Structures your financials to meet surety and lender expectations
-Helps increase bonding capacity over time
Data-Driven Decision Making
-Translates financial data into clear insights
-Supports better, faster business decisions
How This Is Different from a Bookkeeper or Controller
Bookkeeper
-Focuses on recording transactions
-Keeps financial data organized but does not provide strategy
Controller
-Ensures accuracy and manages reporting
-Builds systems and maintains financial structure
Fractional CFO
-Uses financial data to guide business decisions
-Focuses on growth, profitability, and long-term strategy
-Acts as a financial partner to the owner
Why It Matters
-Without strategy, financial data is just information
-A fractional CFO turns that information into action
-This leads to stronger margins, higher bonding capacity, and more controlled growth
The Bottom Line
-Bookkeeping keeps your records clean
-A controller keeps your financials accurate
-A fractional CFO helps you grow, scale, and make smarter decisions
Getting bonded isn’t just an application—it’s a financial qualification process. Surety companies evaluate the strength, structure, and reliability of your business before approving you. Use this checklist to understand what’s required and where you may need to improve.
Financial Readiness
-Up-to-date, accurate financial statements (balance sheet, income statement, cash flow)
-Financials prepared consistently (preferably GAAP-compliant)
-Positive net worth (equity)
-Manageable debt levels
Cash Flow & Banking
-Stable and predictable cash flow
-Established relationship with a bank
-Access to a line of credit (if needed for working capital support)
-No frequent cash shortages or overdrafts
Job Costing & WIP Reporting
-Reliable job costing system in place
-Accurate tracking of project costs and profitability
-Work-in-Progress (WIP) schedules
-Over/under billing clearly tracked
-Project performance visibility
Business Track Record
-Proven history of completing projects successfully
-Experience with projects similar in size and scope
-Strong backlog (future work lined up)
-No history of major project failures or disputes
Internal Financial Controls
-Organized and up-to-date bookkeeping
-Clear financial processes and reporting structure
-Regular financial review (monthly or better)
-Separation of duties where possible
Legal & Compliance
-Proper business licensing and registration
-Insurance coverage in place (general liability, workers comp, etc.)
-No significant unresolved legal or tax issues
Personal & Ownership Strength
-Owner(s) with good personal credit
-Willingness to provide personal indemnity (often required)
-Financial stability at the ownership level
Where Most Contractors Fall Short
-Financials are inaccurate or not structured properly
-No clear WIP reporting or job costing
-Weak cash flow or working capital
-Lack of preparation before approaching a surety
How We Help You Get Bond-Ready
A fractional CFO ensures your business is not just applying for bonding—but actually qualified for it.
-Clean and structure your financials to meet surety expectations
-Strengthen cash flow and working capital
-Build accurate WIP and job costing systems
-Identify and fix issues before underwriters see them
-Position your business to increase bonding capacity over time
The Bottom Line
-Bonding is based on financial strength and credibility
-Preparation determines approval and capacity
-The right financial strategy can significantly improve your results