Fractional CFO Services

Part-time CFO-level support including cash flow forecasting, financial analysis, and strategic planning. The financial guidance you need without the full-time cost.

What This Is

A fractional CFO gives you the strategic financial guidance that a full-time CFO would provide, but on a part-time basis at a fraction of the cost. A full-time CFO might cost $150,000 or more per year. Most small businesses and contractors don’t need that level of involvement. They need someone who can look at the bigger picture a few hours each month and help them make smarter decisions with their money.

This is different from bookkeeping. Bookkeeping records what already happened. CFO work is forward-looking. It takes the numbers you have and figures out what they mean and what you should do about them. Cash flow projections. Financial analysis. Strategic planning. The thinking that helps you run a better business, not just record what it’s doing.

The Role

Monthly financial review and analysis. Cash flow forecasting so you can see what’s coming, not just what happened. Budget-to-actual comparisons. Profitability analysis by job type, customer, or service line. Support for big decisions like equipment purchases, hiring, or taking on larger projects. Someone who looks at your numbers and helps you understand what they actually mean for your business.

The Difference

Your bookkeeper categorizes transactions and reconciles accounts. That’s essential work, but it’s historical. A fractional CFO takes those clean books and uses them to answer questions. Can you afford to hire? Should you take on that big project? Why is cash always tight even when you’re busy? What does profitable growth actually look like for your business?

Why This Matters

You’re busy running projects and managing crews. Financial analysis isn’t something you have time to sit down and do, even if you knew exactly how to do it. So decisions get made based on gut feeling. You buy the new truck because you need it. You take on the big project because it’s revenue. You hire another guy because you’re slammed. None of these decisions are necessarily wrong, but you’re making them without running the numbers first.

Construction businesses have unique cash flow challenges. You buy materials before you get paid. You carry labor costs for weeks before the draw comes through. A slow month hits harder than you expected because you didn’t see the receivables gap coming. When you’re profitable on paper but tight on cash every month, that’s not a mystery. It’s a pattern that financial analysis would reveal and help you address.

Decisions Without Analysis

That piece of equipment you’re financing. Did you run the numbers on whether buying used, leasing, or financing made the most sense for your situation? That big commercial job you’re bidding. Do you know what it would do to your cash flow during the three months you’re carrying labor and material costs before the final draw? These questions have answers, but only if someone does the analysis.

Cash Flow Blindness

Most contractors know they’re profitable because the bank account grows over time. They don’t know why February is always tight even though January was a great month. They can’t predict that taking on two big projects at once will create a cash crunch in 60 days. They find out when the problem arrives instead of seeing it coming months ahead.

What Changes

You make decisions with numbers behind them. Someone runs the analysis on that equipment purchase before you sign. Someone builds a cash flow projection that shows the gap before it happens. Someone tells you that your commercial work is twice as profitable as your residential work, and maybe you should stop chasing small jobs that tie up your time but don’t move the needle.

You have someone to call when a financial question comes up. Not your bookkeeper who records transactions. Not your accountant who you see once a year for taxes. Someone who knows your numbers, understands your business, and can help you think through the financial side of whatever decision you’re facing.

Better Decisions

The equipment purchase that makes sense financially, not just emotionally. The pricing adjustment based on actual job cost data instead of what competitors charge. The hiring decision timed to when cash flow supports it. The big project you pass on because the analysis shows it would strain your cash too much. Good decisions built on good numbers.

Growth That Works

Growing a business without financial planning usually means growing into cash problems. Revenue goes up but so does stress. A fractional CFO helps you grow in a way that actually improves your business. More profitable work, better margins, adequate cash reserves, and expansion that’s sustainable instead of chaotic.

Utah's Construction Bookkeeping Specialists