CFO services — Construction
Senior finance leadership for general contractors, subs, and specialty trades.
WIP schedules, percentage-of-completion accounting, bonding capacity, retainage management, and equipment financing — construction fractional CFOs translate jobs and crews into the financial reporting your surety, bank, and bonding agent actually want to see.
Problems we solve
Common CFO problems we solve
Most businesses reach out when finance is slowing them down. A fractional CFO steps in where your books, reports, and forecasts are not giving you the answers you need.
- Cash flow is unpredictable
- Reports are late or confusing
- The business is growing but profits are unclear
- You need budgeting and forecasting
- You need board or investor reporting
- You need financial leadership without hiring full-time
What fractional CFOs do
What a fractional CFO actually owns
- Build and maintain a 13-week rolling cash forecast.
- Own the annual operating plan and quarterly reforecasts.
- Translate accounting into KPI dashboards leadership actually reads.
- Run lender, board, and investor reporting on a real cadence.
- Lead fundraising support — model, deck financials, diligence room, data room.
- Set pricing, margin, and unit-economics policy with the founder/CEO.
- Manage banking relationships, debt covenants, and treasury.
- Coach and upskill the bookkeeper, controller, and finance team.
When to hire one
Signals it's time to bring in a fractional CFO
If two or more of these are true today, the ROI on a part-time CFO is almost always positive.
You need a bigger bond program
Surety credit is driven by working capital, equity, and WIP quality. A CFO packages the financials your bonding agent needs.
Your WIP schedule isn't tying to the GL
Underbillings, overbillings, and revenue recognition mismatches are the #1 reason contractor banks pull back.
You're moving from cash to accrual / POC
Required for many bonding programs and audited financials — a CFO leads the conversion.
Job costing is in spreadsheets
A CFO will get costs flowing through Sage 100 Contractor, Foundation, Procore, or QuickBooks Online with class/job tracking.
You're chasing a bank line increase
Lenders want trailing 12 financials, WIP, AR aging, and a forecast. CFOs own the package.
You're preparing for sale or succession
Construction M&A demands clean WIP, normalized owner comp, and equipment FMV — a CFO runs the cleanup.
Fractional CFO vs bookkeeper vs CPA
Three different roles — and you probably need all three
| Bookkeeper | CPA | Fractional CFO | |
|---|---|---|---|
| Time horizon | Yesterday | Last year | Next 12–36 months |
| Primary output | Clean books, monthly close | Tax returns, audit | Forecast, KPI dashboard, board deck |
| Owns cash forecast | No | No | Yes |
| Owns fundraising support | No | Rarely | Yes |
| Owns board / investor reporting | No | No | Yes |
| Typical cost | $400–$3,500/mo | $1,500–$8,000/yr + project | $2.5K–$15K/mo |
Monthly cost
What a fractional CFO costs
Real engagement ranges. Compare to a full-time CFO's $250K+ all-in cost.
Advisory / part-time
$2,500–$5,000/mo
Monthly close review, KPI dashboard, 60–90 min strategy session, quarterly board prep. ~4–8 hrs/week.
Growth CFO
$5,000–$9,000/mo
13-week cash forecast, annual budget + reforecasts, lender reporting, vendor and pricing analysis. ~10–15 hrs/week.
Scale / fundraising CFO
$9,000–$15,000/mo
Fundraising support, investor decks, due diligence, data room, board management. ~15–25 hrs/week.
Project / interim
$10K–$50K project
M&A, audit prep, ERP migration, Series A readiness, financial model build. Fixed-fee engagements.
More detail in the fractional CFO cost guide.
Startup CFO support
If you're venture-backed or planning to raise
- Runway model and burn rate scenarios (best / base / downside).
- Hiring plan tied to revenue milestones and round size.
- Cap table hygiene and 409A coordination.
- Pitch financials, diligence Q&A, and data room build.
- SAFE / convertible / preferred mechanics and dilution modeling.
- Monthly investor update template (KPIs, cash, hiring, asks).
Cash flow forecasting
- Rolling 13-week direct cash forecast with weekly variance review.
- Scenario modeling: collections delay, vendor terms, hiring pause.
- Working-capital levers: AR aging, deposits, vendor terms, inventory turn.
- Debt service, covenants, and line-of-credit utilization.
Budgeting & FP&A
- Annual operating plan tied to revenue drivers and hiring waterfall.
- Quarterly reforecasts with variance commentary by department.
- Departmental ownership: every line has an owner and a target.
- Capital allocation: build vs buy, pricing tests, vendor consolidation.
Investor & board reporting
- Monthly investor / board update: KPIs, cash, hires, asks.
- Quarterly board deck and pre-read circulation.
- Lender package: trailing 12, covenant model, AR/AP aging, projection.
- Annual letter / state-of-the-business memo for shareholders.
KPI dashboards
- SaaS: ARR, NRR, GRR, CAC, LTV, payback months, magic number.
- Services: utilization, realization, gross margin by client, project IRR.
- E-commerce: contribution margin, blended CAC, MER, AOV, repeat rate.
- Real estate / construction: backlog, WIP, job margin, cash collected vs WIP.
Featured CFOs
CFO Services for Construction Companies — vetted CFOs accepting new clients
Verified fractional CFOs appear here as profiles are claimed and reviewed.
Related
Related directories and pages
CFO services for construction companies
/cfo-services-for-construction-companies
Construction CPA services
/construction-cpa-services
Bookkeeping for construction companies
/bookkeeping-for-construction-companies
Job costing for contractors
/job-costing-for-contractors
Contractor payroll services
/contractor-payroll-services
Fractional CFO directory
/fractional-cfo-services
How to choose
How to choose a fractional CFO
Use these criteria to compare candidates side by side and avoid the most common hiring mistakes.
Industry concentration
Ask how many clients in your industry they currently serve. Generalists miss niche credits, filings, and software conventions.
Credentials and licensure
Verify active CPA license, Enrolled Agent status, or relevant certifications (QuickBooks ProAdvisor, Xero Partner, AFSP).
Software stack
Confirm they work in your existing platforms — QuickBooks Online, Xero, Gusto, Sage Intacct — rather than forcing a migration.
Engagement scope and SLAs
Get a written engagement letter that lists deliverables, monthly close date, response times, and what is and isn't included.
Pricing transparency
Prefer fixed monthly fees over open-ended hourly billing for recurring work. Ask what triggers a price increase.
References and reviews
Ask for 2–3 current client references in your industry, plus check independent reviews and state-board status.
Request a CFO consultation
Tell us where you are, where you're going, and what's broken. We'll match you with a vetted fractional CFO — usually within 48 hours.
FAQ
About cfo services for construction companies
Do construction fractional CFOs understand percentage-of-completion?+
Yes. POC, completed contract, WIP schedules, over/underbillings, and ASC 606 for long-term contracts are core to any construction-focused CFO.
Can a fractional CFO help me grow my bonding capacity?+
Yes — most engagements include surety package prep, working capital optimization, and equity-building strategies that directly drive aggregate and single-job bond limits.
Which construction accounting platforms do CFOs work in?+
Sage 100 Contractor, Sage 300 CRE, Foundation, Viewpoint, Procore, QuickBooks Online with class/job tracking, and Buildertrend are the most common.
How much does a fractional CFO cost per month?+
Most engagements land between $3,000 and $12,000 per month. Light advisory or quarterly board prep can start near $2,500; intensive fundraising or scale-stage operating CFO work runs $10K–$18K+. Compare that to a full-time CFO's $250K+ all-in cost.
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