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Fractional CFO for contractors and builders
Construction finance has its own rhythm: progress billing, retainage, seasonal cash, and margins that move job by job. I help owners see those numbers clearly and plan around them.
Problems I help contractors solve
- You are busy, but cannot tell which jobs actually make money
- Cash is tight even in strong months
- Financials are not ready when a lender or bonding agent asks
- You are unsure what the owners can safely take out
- You are weighing a new crew, a truck, or buying another company
What is included
- Job costing and WIP reporting
- Rolling cash forecast and year-end projection
- Bid margin review against actual results
- Owner distribution planning with your CPA
- Lender-ready monthly financial statements
- Growth and acquisition analysis
Why contractors work with me
I am an owner too. I co-own a construction company and serve as its CFO, and I co-own a tree service. I am not a consultant who has never made a payroll.
I work with clients across Minnesota, on site and remotely. New to the idea? Start with what a fractional CFO is.
Related reading
Contact
Let's look at your numbers together.
Send a note with a little about your business. I reply personally, and the first conversation costs nothing.
Email Zach zach@zwilsonconsulting.com 218-850-7555