Fractional CFO
Part-time CFO-level support for your trade or construction business. Cash flow forecasting, financial analysis, and strategic planning without the full-time salary.
What This Is
A fractional CFO gives your business financial leadership on a part-time basis. You get someone who understands your numbers deeply enough to help you make real decisions about growth, spending, cash flow, and profitability. Not just someone producing reports, but someone who can sit down with you and explain what those reports mean for the direction of your business.
This is built specifically for trade and construction businesses that have outgrown the “check the bank balance and hope for the best” approach. You might be doing $1M or $3M or $5M in revenue and still not have a clear picture of where the money actually goes, which jobs are profitable, or whether you can afford to hire that next crew. That’s what this service addresses.
Financial Analysis and Forecasting
Financial Analysis and Forecasting
Cash flow projections so you can see what’s coming before it hits. Profitability analysis by job, by crew, or by service line. Revenue trends, expense tracking against budget, and regular financial reviews that give you a clear picture of where your business actually stands financially.
Strategic Planning and Guidance
Strategic Planning and Guidance
Help with the bigger questions. Should you take on that large commercial project or stick with residential? Can you afford a new truck or a new hire right now? What entity structure makes sense as you grow? These are conversations that require someone who knows your numbers inside and out, not guesswork.
Why This Matters
Most contractors and trade business owners are making big financial decisions based on gut feeling. That works for a while. But as revenue grows and jobs get bigger, the stakes get higher. Underbidding a project by 10% when you’re doing $200K in revenue stings. Underbidding by 10% when you’re doing $2M in revenue can put you in a hole that takes months to dig out of.
A full-time CFO costs $150K or more per year. That doesn’t make sense for most small to mid-size trade businesses. But going without any financial leadership at all means you’re flying blind on the decisions that matter most. You end up reacting to problems instead of seeing them coming and planning around them.
Decisions Without Data
Decisions Without Data
Should you lease or buy equipment? Can you afford to expand your service area? Is that new employee going to pay for themselves within six months? Without solid financial data and someone to interpret it, you’re guessing. And every wrong guess costs real money that comes directly out of your pocket.
Cash Flow Surprises
Cash Flow Surprises
Construction and trade businesses deal with uneven cash flow constantly. Big deposits come in, materials go out, labor costs pile up, and a late-paying client throws the whole thing off. Without someone forecasting and managing this proactively, you end up scrambling to cover payroll or dipping into credit lines you didn’t plan on using.
What Changes
You stop guessing about the financial health of your business and start knowing. You have someone who reviews your numbers regularly, flags problems before they become emergencies, and helps you think through major decisions with actual data behind them. The kind of financial clarity that larger companies take for granted becomes available to your business at a fraction of the cost.
Because we work exclusively with trade and construction businesses in the Long Beach and Greater LA area, the advice you get is grounded in an understanding of how your industry actually works. Seasonal swings, job costing challenges, material price fluctuations, managing crews. This isn’t generic financial consulting. It’s tailored to the reality of running a service-based blue collar business.
Confidence in Big Decisions
Confidence in Big Decisions
When an opportunity comes up, you’ll have the financial picture to evaluate it properly. New equipment purchases, hiring decisions, taking on bigger projects, or expanding into new service areas. You’ll know what you can actually afford and what the impact will be on your cash flow and profitability going forward.
A Financial Partner, Not Just a Number Cruncher
A Financial Partner, Not Just a Number Cruncher
This is a hands-on, ongoing relationship. Regular check-ins, open communication, and someone who actually cares about where your business is headed. When you have a question about a financial decision, you pick up the phone and talk to someone who already knows your business. No explaining your situation from scratch every time.
Long Beach's CPA for Contractors and Trades
The Next Step:
A Quick Conversation
Tell us about your business and where you need help. We'll ask a few questions, let you know what we can do, and give you a quick quote.