Fractional Finance for Contractors
We run the books, the job costing, and the compliance calendar for construction contractors — so you always know which jobs are making money before it's too late to fix them.
The problem
None of these show up on a standard P&L. All three show up on job-by-job cost reporting — if someone's actually building it.
Debit · Overbilling you don't see coming
Billing ahead of progress feels like healthy cash flow — until the work catches up and the job flips underwater with no cash cushion left to absorb it.
Debit · Job costs coded to the wrong bucket
Materials, labor, and equipment get coded by expense category instead of by job and cost code — so you can't tell which projects, crews, or phases are actually profitable.
Debit · Compliance gaps you inherit at the worst time
Certified payroll errors, an expired sub's certificate of insurance, or a lapsed license surface during a bonding review or an audit — not before, when they'd be cheap to fix.
Services
Each option fits a different starting point, not a required sequence. Already have a bookkeeper and just need controller or CFO-level oversight added? Start at Option 02. Need bookkeeping built from the ground up? Start at Option 01. Want one team handling everything? Go straight to Option 03.
Option 01
Option 02
Option 03
How it starts
No long ramp-up. Most clients are through onboarding and into a normal monthly cadence within 60 days.
01 · Diagnostic call
A free call where we walk through your current books, job costing setup, and where you're bidding — and tell you plainly which tier fits and what it'll cost.
02 · Onboarding & cleanup
Prior-period cleanup, accounting software setup or migration, and a COI/license/insurance audit — billed once, upfront, so month one isn't spent untangling month zero.
03 · Monthly cadence
A standing close process, job costing you can actually trust, and a monthly call where we walk through what the numbers mean for your next bid.
Our Approach
Access to a contractor's financials is one of the most sensitive relationships in a business. Here's what that standard looks like in practice.
01
Your numbers, your payroll, your banking relationships — none of it is taken lightly. We treat that access as a responsibility, not a formality: dependable, honest, and careful with everything we see.
02
You should understand your own numbers — not just receive them. We explain what's behind every report in plain language, so you're never just handed a spreadsheet you don't know how to read.
03
You should be able to open your accounting software at any moment — not just wait for month-end — and see exactly how your business is doing right now. That's the standard we build every engagement toward.
Who we serve
If you carry a contractor's license and a crew, there's a tier that fits.
Running multiple jobs at once with subs to manage, draws to track, and a bonding line to protect.
Union and non-union crews, prevailing-wage jobs, and job costing that has to hold up phase by phase.
Adding entities, expanding into new states, or preparing the books for a sale, merger, or succession.
Bring your last month's financials to the call. We'll tell you — plainly — where the margin is leaking and what it'd take to fix it.
Book a free diagnostic call