Fractional CFO
At some point, running a successful trades business stops being about doing good work and starts being about making the right financial calls. Do you hire the next crew? Buy or lease the next truck? Take the larger contract? Open a second location?
A Fractional CFO gives you a financial partner who thinks about those questions with you — not just after the fact, but before you have to make the decision. We bring forecasting, cash flow modeling, scenario planning, and strategic financial leadership to your business at a fraction of what a full-time CFO would cost.
This is for trades businesses that are growing and want to make sure the money side of that growth is working in their favor.
Services Available
Everything offered under Fractional Controller plus...
Strategic Financial Leadership
We act as your financial partner at the leadership level — sitting in on key decisions, stress-testing assumptions, and making sure the financial side of your growth strategy is as solid as the operational side. You make better calls when someone's actually running the numbers with you.
Cash Flow
Forecasting
Trades businesses live and die by cash flow — especially with seasonal swings, large upfront material costs, and slow-paying commercial clients. We build rolling cash flow forecasts so you always know what's coming, can plan for the lean months, and never get caught short when payroll hits.
Financial Modeling and Scenario Planning
Thinking about adding a second crew? Taking on a $2M commercial contract? We build the financial model before you commit — projecting cash requirements, margin impact, breakeven timelines, and risk exposure. You'll know the real cost of growth before you're in it.
Capital Planning and Financing Strategy
Whether you need a line of credit, equipment financing, or an SBA loan, we prepare you for the conversation with your bank. We organize your financials, tell your story in numbers, and help you understand what you're getting into before you sign.
KPI Tracking and Performance Dashboards
We identify the metrics that matter for your business — revenue per tech, job margin by trade, overhead as a percent of revenue, collection days — and build the reporting to track them. You'll know the health of your business at a glance, not just at year-end.
Pricing and Job Profitability Strategy
A lot of trades businesses are winning jobs but not making money on them. We work through your pricing model — labor burden, material markup, overhead allocation, target margins — and help you build a number that's competitive and actually profitable.
Exit, Succession, and Long-Term Planning
Planning to sell in five years? Pass the business to family? Bring on a partner? The earlier you plan for it, the more it's worth. We help you think through the financial structure of your exit and make sure the business is positioned to maximize its value.