A fractional CFO for HVAC contractors is a part-time strategic finance partner who manages tax planning, cash flow forecasting, and profit optimization for shops doing $3M–$8M in revenue — closing the gap between what you bid and what you bank.
You're bidding 25%, banking 5%, and wondering where summer went. We help HVAC contractors doing $3M–$8M close the gap between bid and bank so you can hit 15%+ net profit—even in the slow months.
Summer is slammed, but by November you're scrambling to cover payroll.
Install jobs look profitable until you factor in callbacks, warranty, and the crew sitting idle between jobs.
Service revenue is "gravy," but you're not sure if it actually covers the truck, the tech, and the dispatcher.
You're guessing on flat-rate pricing because you don't really know your true labor cost per billable hour.
Techs leave every 2 years, so you're constantly training replacements and losing momentum.
Your techs are great at fixing units but terrible at selling maintenance agreements and upgrades.
You have no real metrics—and no way to give techs feedback that's based on numbers instead of gut feel.
13-week cash forecast built around your seasons so Q4 and Q1 don't feel like a surprise every year.
Clear visibility into which side of the business actually makes money—and which jobs, crews, or channels are dragging you down.
Know what each tech really costs per billable hour so your flat-rate book and maintenance pricing actually protect margin.
Revenue per tech, average ticket, callback rate, and maintenance agreement conversion so you can coach with data, not guesswork.
Simple visibility into what's sitting on trucks and shelves so you're not tying up cash in parts you don't need—or eating rush charges when you run out.
Quarterly estimates and year-end planning so April doesn't wipe out what you thought you made last summer.
Not just better reports. Better cash.
Clean monthly close, HVAC-specific reporting, and job costing you can trust—install and service separated.
13-week cash forecast built around your seasonal swings. Know what's available for payroll, draws, equipment, and marketing before you commit—and stop getting surprised.
Job-level and service-line profitability, flat-rate pricing audit, overhead allocation, and simple tech scorecards so 15%+ net is the norm, not a lucky summer.
Proactive tax planning integrated with your filings: quarterly estimates and year-end moves that actually show up on your return.
Quick fit check: revenue, crew count, install/service mix, and whether your problems are ones I can actually solve. If not, I'll tell you and point you to better options.
One-time, fixed-fee deep dive into your books, jobs, cash, and tax. For HVAC, we specifically look at seasonal cash patterns, install vs service margins, tech utilization, and maintenance agreement performance. You get a clear, written 90-day action plan to close your biggest "bid vs bank" leaks.
If it's a mutual fit, we move into a simple monthly engagement focused on hitting agreed profit, cash, and owner take-home targets—through the busy season and the slow one.
If we're not the right fit, we'll tell you and point you to a better option.
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.
A fractional CFO for HVAC contractors is a part-time finance leader who installs job costing, 13-week cash forecasts, and pricing discipline so $3M-$8M shops can consistently bank 15%+ net. They handle tax strategy, entity structuring, equipment purchase modeling, and exit planning — the strategic work your CPA and bookkeeper are not designed to do.
Fractional CFO engagements for HVAC contractors doing $3M-$8M typically run $3,000-$8,000 per month. Compare that to a full-time CFO at $200K+ salary. The fractional model delivers senior-level financial strategy at 20-30% of the full-time cost, and the tax savings alone typically exceed the fee.
The inflection point is typically between $3M-$5M in revenue. Below that, a good bookkeeper and CPA handle most needs. Above $3M, the complexity of tax planning, seasonal cash flow management, technician capacity planning, and eventual exit preparation exceeds what compliance professionals deliver.