Construction & trades finance
Contractor books that hold up with your surety, your lender and your own bids.
For general contractors, subcontractors and specialty trades with roughly $3M to $20M in revenue. Books closed every month, a WIP schedule on every open job and a cash forecast, so you know which jobs make money while there's still time to act.
- General contractors
- Subcontractors
- Mechanical, electrical & plumbing
- Site work & specialty trades
What we do
Job-level numbers every month, not once a year.
Many contractors only see a WIP schedule when the surety asks for it. By then, a job that faded in the spring is history.
Bonding-ready financials
Closed books, a WIP schedule and supporting schedules, organized the way underwriters read them and on time for your bond line review.
WIP schedules
Every open job: contract value, costs to date, estimated cost to complete, percent complete, and over- and under-billings.
Job costing
Labor, materials, equipment and subcontract costs coded to the job, so estimates can be checked against actuals and the next bid is built on real numbers.
Revenue recognition
Contract revenue recorded on the basis your surety, lender and outside accountant expect, with the billing position on each job shown clearly.
Cash forecast
A rolling cash forecast built from your billing schedule, retainage, payables and payroll, so a slow-paying job doesn't become a cash surprise.
One fixed monthly fee
Contractor work runs on a fixed monthly plan, usually Strategic or Fractional CFO. Your scope and fee are set out in a written proposal after the fit call.
Who it's for
Contractors from about $3M to $20M in revenue
General contractors, subcontractors and specialty trades (mechanical, electrical, plumbing, site work and others), who are:
- Bonded, or working toward a first or larger bond line
- Carrying a bank line or equipment debt with reporting requirements
- Closing the books late, so the WIP schedule is a once-a-year exercise
- Unsure which jobs made money until after they're closed
- Tight on cash between draws, retainage and payroll
What sureties and lenders look for
The questions behind every bond line and renewal
Every surety and lender sets its own requirements, but the same questions come up again and again:
- Timely year-end statements from your outside accountant, delivered when they're due
- A WIP schedule that ties to the financial statements, with over- and under-billings explained
- Working capital and equity that support the work you're bidding
- AR and AP aging: who owes you, how long it has been, and how current you are with suppliers and subs
- Bank line and debt schedules that match the balance sheet
- Backlog: signed work not yet performed, and the gross profit expected on it
- Interim statements during the year, not just at year-end
General information only. Requirements vary by surety and lender; ask yours what it needs.
Free checklist
The bonding-readiness checklist
A one-page, printable list of the documents and schedules sureties commonly review: year-end statements, the WIP schedule, AR and AP aging, bank and debt schedules, backlog and more. Use it to see where your package stands before the next bond line review.
- Plain language, no jargon
- Print it or work through it on screen
- General education: requirements vary by surety
How it starts
From a 15-minute call to your first monthly WIP.
Fit call
Where the business stands, what your surety and lender ask for, and which plan fits. Free, fifteen minutes.
Written proposal
One plan, one fixed monthly fee, with the scope and start month in writing, the same week.
Onboarding
Engagement letter and consents signed online, system access, prior-year records and your current job list, usually within two weeks.
First monthly close
Books closed, with the WIP schedule, on your plan's delivery day.
Next step
Ahead of your next bond line review
Tell us what your surety and lender ask for, and we'll tell you plainly whether we can help and which plan fits. No hourly billing, and your fee is in writing before any work starts.
We Listen | You Prosper
Book a free 15-minute fit call
Pick a time that works for you, or call and we'll set it up.
Book a free 15-minute fit call