🏗️ General Contractors

Fractional CFO for
General Contractors

You're juggling subs, draws, and change orders across multiple jobs—and the cash never lands when it should. We help general contractors doing $3M–$8M close the gap between bid and bank so you can hit 15%+ net profit without floating everyone else's payroll.

25+ Years in Contractor Finance & Tax
1,000+ Clients Served
Millions Saved in Taxes & Wasted Spend
★★★★★ Top-Rated on Yelp, Arcadia CA

This Sounds Like You?

You're the bank for your subs—paying them before draws hit, then chasing owners and lenders for weeks.

WIP reports are supposed to show job health, but yours are confusing, stale, or flat-out wrong.

Retainage ties up six figures across jobs and you're never sure when (or if) you'll actually collect it.

Change orders get approved in the field but die somewhere between the trailer and the invoice.

You don't have a clean read on which jobs, owners, or project types are truly profitable vs barely breaking even.

Cash is "coming" on three different jobs, but payroll and subs are due now—so you're constantly shuffling.

You're making big decisions on new bids, hires, and equipment based on gut feel instead of a real project and cash forecast.

How We Fix the Bid vs Bank Gap
for General Contractors

Project-Level Cash Planning

13-week cash forecast by job so you can see how draws, sub payments, and retainage releases affect your actual bank balance—not just your "profit on paper."

WIP That Actually Works

Clean, reliable work-in-progress reporting so you know where each job really stands—overbilled, underbilled, and what's left to earn.

Draw & Billing Discipline

Tighten how and when you bill, match draw timing to sub payments, and stop funding jobs for owners and lenders.

Retainage Tracking & Recovery

Simple visibility into what's being held, by whom, and when it's due—so six figures doesn't quietly disappear into "we'll get it eventually."

Change Order Capture

Systems to track, approve, bill, and collect change orders so added scope turns into added cash, not donated labor and materials.

Job & Owner Profitability

Clear visibility into profit by job, owner, project type, and PM so you can choose better work and better clients.

Sub & Vendor Cash Flow

Know what's owed, what's due, and how sub/vendor timing affects your cash—so you stop being everyone else's line of credit.

Tax Timing & Strategy

Quarterly estimates and year-end planning that match your project and cash timing, so April doesn't wipe out what you thought you made.

What You Actually Get

Not just better reports. Better cash.

📊

Financial Clarity & Reporting

Clean monthly close, GC-specific reporting, WIP you can trust, and job costing by project, owner, and PM.

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Cash Flow & Debt Management

13-week cash forecast built around your real draw schedule and sub commitments. Know what's available for payroll, subs, materials, and owner draws before you commit.

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Job Profitability & Pricing

Job-level and owner-level profitability, overhead allocation, and simple scorecards for estimating and project management so 15%+ net is the expectation, not a lucky job.

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Tax Strategy That Reaches the Return

Proactive tax planning integrated with your filings: quarterly estimates and year-end moves that actually show up on your return and line up with when cash really hits.

How We Work Together

01

20-Minute Intro Call

Quick fit check: revenue, project mix (residential, commercial, TI), typical job size, and whether your problems are ones I can actually solve. If not, I'll tell you and point you to better options.

02

Financial Health Assessment

One-time, fixed-fee deep dive into your books, jobs, cash, and tax. For GCs, we specifically look at WIP accuracy, draw and billing timing, retainage exposure, change-order capture, and job/owner profitability. You get a clear, written 90-day action plan to close your biggest "bid vs bank" leaks.

← Start here
03

Ongoing Fractional CFO Partnership

If it's a mutual fit, we move into a simple monthly engagement focused on hitting agreed profit, cash, and owner take-home targets—across active jobs and the gaps between them.

Book a Call to Get Started

If we're not the right fit, we'll tell you and point you to a better option.

Ready to Stop Guessing
on Your GC Numbers?

Let's see if your problems are ones I can actually solve. 20 minutes, no pitch.

All the risk is on us. This call is about making sure we can actually help.