CFO-level financial leadership for contractors, built on the WIP schedule and the backlog rather than last month's profit and loss. Monthly cadence, Atlanta-based, in English or Spanish.
Free 30-Minute ConsultationSomewhere between two and five million dollars in revenue, most contractors hit the same wall. The bookkeeper is doing exactly the job they were hired for: recording what already happened. But the questions that now decide the company's future are all forward-looking. Can we take on that eight-million-dollar project without running out of cash in month three? What does our bonding capacity need to look like by January to bid the work we want? Which of these four jobs is quietly funding the other three? A full-time CFO would answer those, and a full-time CFO in Atlanta costs more than most contractors at this stage can justify.
A fractional CFO fills that gap, and in construction the gap is wider than in almost any other industry. A generalist CFO forecasts from the income statement. That does not work for a contractor, because a construction company's real financial position is not in the profit and loss at all: it is in the WIP schedule, in retainage that will not be released for months, in over-billings that look like cash but are really a liability, and in a backlog whose profitability was set the day each job was bid.
Xtrategist is a construction CPA firm first. Our CFO engagements are built on that foundation: we start from your job-level economics, not from a generic template, and the deliverables are the ones a contractor actually uses to make decisions. This is the construction-specific version of our broader business consulting practice.
Cash and revenue forecasts built from your work-in-progress schedule and backlog, not extrapolated from last quarter. You see the cash trough before you sign the contract, not after mobilization.
Bonding is a growth constraint long before it is a paperwork problem. We manage the balance sheet toward the ratios underwriters reward, so your bonding capacity grows on a schedule instead of by accident.
Which jobs, crews, customers and trades actually make money, using cost codes that make the answer visible. Most contractors are surprised by at least one line of this report.
Rolling 13-week forecasts, retainage tracking, and the working capital math behind every growth decision. The mechanics are in our guide to construction cash flow.
The five to eight numbers that actually run a construction company, reported on a monthly cadence with the operating rhythm to act on them. Not a fifty-page package nobody opens.
Buy, lease or rent, and the tax timing that goes with it, coordinated with One Big Beautiful Bill planning so a capital decision and a tax decision are made together instead of in separate rooms.
Engagements are scoped as a monthly retainer rather than hourly billing, because the value is in the cadence and nobody makes good decisions while watching a clock. What drives the number is how often we meet, how many active jobs and entities are in play, whether you are carrying multi-state work, and how much cleanup the existing books need before forward-looking work is even possible. The consistent part is that it lands at a fraction of the fully loaded cost of a full-time CFO hire, which is the entire reason the model exists.
A typical engagement runs on a monthly meeting with the owner and whoever runs operations, weekly touchpoints during bidding season or a cash-tight stretch, and a standing role as the person your surety agent, banker and bonding company can call. We work in person at our Cumberland office, on job sites when that is where the conversation actually needs to happen, or fully remote for owners who live in a truck.
The honest version: not every contractor needs this. Below roughly a million in revenue, a good construction CPA firm relationship and clean books usually cover it. The free consultation includes a straight answer about which of those two you are, and we will say so if it is the cheaper one.
Free 30-minute consultation with a senior construction CPA. No obligation. English or Spanish. We will tell you honestly whether a fractional CFO pays for itself at your size.
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