Your Fractional Finance & Operations Team
Your finances, straight.
The typical service business has $450K–$4M in cash they've already earned sitting in their system — uncollected, unbilled, or stuck. We show you exactly where.
We kept hearing the same thing — so we built Level
“I think I'm past the stage where I just need someone categorizing transactions.”
— Growing SMB owner
Works with your existing software
QuickBooks, Stripe, Gusto, Ramp, spreadsheets — we connect to all of it
Real audit — one regional contractor
$0M+ in hidden cash flow
Found in the first 48 hours. Here’s what our team uncovered — accelerated by AI — inside one specialty contractor’s books.
Cash Stuck in Receivables
- ×$200K+ outstanding invoices — half over 120 days past due
- ×100+ draft invoices sitting unsent
- ×1,000+ completed jobs never closed or finalized
Hidden Revenue
- ×50+ jobs with real cost incurred, $0 billed
- ×20% of quotes never followed up on
- ×Expiring service agreements — millions at risk silently
Margin Blind Spots
- ×37% of active jobs had no cost data
- ×25 jobs where costs exceeded invoice — negative margins
- ×Monthly margin swinging +47% to -57% with no alerts
On track to recover
Recover unbilled work
100+ unsent invoices identified for immediate action
Collect faster
Overdue receivables flagged with automated follow-up cadence
Stop contract churn
Proactive renewal outreach for agreements expiring in 90 days
Fix quote leakage
Even 10% conversion on forgotten quotes = significant cash
Not just contractors
Same playbook. Every vertical.
Whether you run an agency, ecommerce brand, restaurant, or practice — the financial gaps look different, but the fix is the same: clean books, clear KPIs, honest forecasts.
Ecommerce
$180K hidden margin
A $4.3M skincare brand thought gross margin was volatile 28%-51%. True profit margin (after fixing the books): stable 42%. Repriced top 20 products — profit up 4 points in 90 days.
Agency
+11 points of margin
A $4.2M creative agency fired bottom 10 clients, raised rates 8%, tightened project tracking. Operating margin moved from 12% to 23% on lower revenue. +$380K net profit.
Restaurant
$120K added to owner pay
A $2.4M casual-dining concept cut food + labor cost from 67% to 61% via recipe, portion, and invoice controls. Same revenue, dramatically different take-home.
Professional Services
$420K recovered capacity
A $6.8M law firm repositioned senior partner hours back from admin to billable work. Team productivity normalized. +5 points operating margin.
How We Work
The CLEAR Framework.
We analyze every service business across five pillars — Cash, Labor, Earnings, Accounts, and Risk — to find exactly where you’re leaving money behind.
Cash
Is your cash flowing — or stuck?
Labor
Is your team generating returns?
Earnings
Are you keeping what you earn?
Accounts
Are you winning and keeping work?
Risk
Are you exposed?
Benchmarked against 2,200+ service businesses
What we do
A real CFO, with the operational stack underneath.
Three layers, one ladder. Pick where you start; we'll grow into the rest as the relationship earns it.
On-ramp
Books
Clean monthly books on an industry-specific chart of accounts. Statements organized for your lender or bank. Tax-Ready Promise. Same flat $99 per month behind for catch-up.
Where the work compounds
Fractional CFO
Job and customer profitability. 6-week rolling cash forecast. Collections follow-up. Hiring break-even. Tax strategy. Monthly strategy call with Level CFO.
Premium operations
CFO + Operations
Everything in Fractional CFO, plus AI-native workflows — automated collections, bill coding, daily owner dashboards, and real-time alerts. The operational layer that scales without adding headcount.
Plus billing & collections, payroll, dashboards, systems integrations, tax strategy, and AI-native workflows — all inside the right tier.
From chaos to clarity
Most service businesses have books full of gaps. We clean them up and turn raw data into numbers you can act on.
What your books look like
What Level delivers
37.9%
Gross Margin
94.8%
Collection Rate
+$45K
Cash Position
$12M
Revenue
Next-day
Billing Speed
97.1%
Billing Capture
From first connection to full autopilot
Every engagement starts with a free 48-hour assessment. Then we grow with you — at your pace.
Connect your system. Get insights in 48 hours.
One API connection. We run an AI-powered analysis and show you exactly where your operation stands.
- Read-only connection — 15 min setup
- Benchmark comparison against 2,200+ service businesses
- Custom roadmap showing where cash is stuck
Free. No commitment.
Data Validation
We prove the numbers are right.
- Map data across accounting and field systems
- Every number validated against source records
- Your team confirms accuracy before we go further
We prove the data is right. Then we build on it.
Insights Delivered
Answers show up — no tool to learn.
- Daily briefs and weekly dashboards in your inbox
- CLEAR framework benchmarking across 5 pillars
- Former CFOs interpret the data and call you
Real people, accelerated by AI.
Actions Taken
Things get done — not just reported.
- Invoices chased, stuck jobs closed, upsells flagged
- Writes to your systems with your approval
- Nothing happens without your confirmation
Scale without adding headcount.
What makes us different
Not your typical CFO. Not another chatbot.
Most outsourced CFOs give you a spreadsheet and a monthly call. Most AI tools give you a chatbot. We give you experienced operators who take action — accelerated by AI.
Former CFOs, controllers & operators
Your team has run financial ops inside real businesses. They interpret the data, deliver recommendations, and execute changes in your books.
Things get done — not just reported
We don't hand you a dashboard and walk away. Invoices get chased, jobs get closed, books get cleaned up. You get a call with what changed and why.
Verified numbers, not probabilistic guesses
Every metric is a validated SQL query against your source data — checked by our team before it reaches yours. Not a chatbot that gives a different answer every time you ask.
AI accelerates the team — it doesn't replace them
AI handles data ingestion, anomaly detection, and benchmarking at scale. Humans apply judgment, call you with recommendations, and take action. That's the difference.
Backed by a team of certified bookkeepers, CPAs, and a tax specialist for specialized work. Every engagement gets the right credential for the job.
Meet the teamBookkeeper vs. CPA vs. Level
Your bookkeeper and CPA handle critical functions. Level fills the strategic gap between recording transactions and filing taxes.
| Capability | Bookkeeper | CPA | Level |
|---|---|---|---|
| Record transactions | ✓ | — | ✓ |
| File taxes | — | ✓ | ✓ |
| Job-level profitability | — | — | ✓ |
| Track costs by project in real time | — | — | ✓ |
| Cash flow forecasting | — | — | ✓ |
| Benchmark against 2,200+ businesses | — | — | ✓ |
| Monthly strategy calls | — | — | ✓ |
| Track unpaid invoices and collect faster | — | — | ✓ |
| Financial statements your bank can use | — | — | ✓ |
| Tax planning & optimization | — | ✓ | ✓ |
| Exit readiness | — | — | ✓ |
| Understands your operations | Rarely | Rarely | ✓ |
| Integrates with your business software | — | — | ✓ |
We can handle your bookkeeping and tax compliance — or work alongside your existing team. We’ve done both.
What business owners are saying
From owners who stopped guessing and started knowing.
“We were doing $8M and I honestly couldn't tell you which jobs made money. They broke it down by job, by crew, by customer. Turns out our biggest commercial account was underwater. We dropped them and margins went up 6 points.”
Mike H.
Owner, $8M commercial HVAC, service & install
“Our denial rate was 14% and we had no idea. They mapped every denial by payer and CPT code, fixed the top 5 root causes, and we dropped to 6% in four months. That recovered over $200K in annual revenue we were just leaving on the table.”
Dr. Sarah M.
Managing Partner, $4M multi-provider family practice
“Almost missed payroll in March. Twice. Now I have a rolling 6-week cash forecast and I can see the gaps coming. Haven't had a surprise since. That alone pays for everything.”
Jason P.
President, $5M residential & commercial plumbing
“We were paying workers every Friday but collecting from clients in 60 days. Nobody had done the math on what that float was costing us. They cut our DSO by 18 days and we stopped factoring entirely. Saved $140K a year in fees.”
Marcus T.
CEO, $12M light industrial staffing agency
“My CPA is great at taxes. But nobody was actually looking at the business. They found $140K in overhead we were eating on service calls because our flat rates were 3 years old.”
Dana C.
CEO, $12M commercial electrical contractor
“We were doing $8M and I honestly couldn't tell you which jobs made money. They broke it down by job, by crew, by customer. Turns out our biggest commercial account was underwater. We dropped them and margins went up 6 points.”
Mike H.
Owner, $8M commercial HVAC, service & install
“Our denial rate was 14% and we had no idea. They mapped every denial by payer and CPT code, fixed the top 5 root causes, and we dropped to 6% in four months. That recovered over $200K in annual revenue we were just leaving on the table.”
Dr. Sarah M.
Managing Partner, $4M multi-provider family practice
“Almost missed payroll in March. Twice. Now I have a rolling 6-week cash forecast and I can see the gaps coming. Haven't had a surprise since. That alone pays for everything.”
Jason P.
President, $5M residential & commercial plumbing
“We were paying workers every Friday but collecting from clients in 60 days. Nobody had done the math on what that float was costing us. They cut our DSO by 18 days and we stopped factoring entirely. Saved $140K a year in fees.”
Marcus T.
CEO, $12M light industrial staffing agency
“My CPA is great at taxes. But nobody was actually looking at the business. They found $140K in overhead we were eating on service calls because our flat rates were 3 years old.”
Dana C.
CEO, $12M commercial electrical contractor
“We were doing $8M and I honestly couldn't tell you which jobs made money. They broke it down by job, by crew, by customer. Turns out our biggest commercial account was underwater. We dropped them and margins went up 6 points.”
Mike H.
Owner, $8M commercial HVAC, service & install
“Our denial rate was 14% and we had no idea. They mapped every denial by payer and CPT code, fixed the top 5 root causes, and we dropped to 6% in four months. That recovered over $200K in annual revenue we were just leaving on the table.”
Dr. Sarah M.
Managing Partner, $4M multi-provider family practice
“Almost missed payroll in March. Twice. Now I have a rolling 6-week cash forecast and I can see the gaps coming. Haven't had a surprise since. That alone pays for everything.”
Jason P.
President, $5M residential & commercial plumbing
“We were paying workers every Friday but collecting from clients in 60 days. Nobody had done the math on what that float was costing us. They cut our DSO by 18 days and we stopped factoring entirely. Saved $140K a year in fees.”
Marcus T.
CEO, $12M light industrial staffing agency
“My CPA is great at taxes. But nobody was actually looking at the business. They found $140K in overhead we were eating on service calls because our flat rates were 3 years old.”
Dana C.
CEO, $12M commercial electrical contractor
“We were doing $8M and I honestly couldn't tell you which jobs made money. They broke it down by job, by crew, by customer. Turns out our biggest commercial account was underwater. We dropped them and margins went up 6 points.”
Mike H.
Owner, $8M commercial HVAC, service & install
“Our denial rate was 14% and we had no idea. They mapped every denial by payer and CPT code, fixed the top 5 root causes, and we dropped to 6% in four months. That recovered over $200K in annual revenue we were just leaving on the table.”
Dr. Sarah M.
Managing Partner, $4M multi-provider family practice
“Almost missed payroll in March. Twice. Now I have a rolling 6-week cash forecast and I can see the gaps coming. Haven't had a surprise since. That alone pays for everything.”
Jason P.
President, $5M residential & commercial plumbing
“We were paying workers every Friday but collecting from clients in 60 days. Nobody had done the math on what that float was costing us. They cut our DSO by 18 days and we stopped factoring entirely. Saved $140K a year in fees.”
Marcus T.
CEO, $12M light industrial staffing agency
“My CPA is great at taxes. But nobody was actually looking at the business. They found $140K in overhead we were eating on service calls because our flat rates were 3 years old.”
Dana C.
CEO, $12M commercial electrical contractor
“We thought our prime cost was 62%. Real number was 68% once we included manager overtime and waste we weren't tracking. Six points on $3M in revenue is $180K. We would have missed it for another year without someone watching the numbers weekly.”
Angela R.
Owner, $3M fast casual, two locations
“I thought we were running 20% margins. Real number was 11 after overhead allocation. Hard to hear but I'm glad someone finally told me. We've been repricing every job since.”
Chris W.
Owner, $6M residential roofing & exteriors
“We had 40 commercial contracts and no idea which ones actually made money after labor and drive time. Three of our biggest accounts were underwater. We repriced or dropped them and net margin went from 8% to 14% in one quarter.”
David K.
Owner, $2.5M commercial cleaning company
“We were getting ready to sell and the books were a disaster. They cleaned up 3 years of QuickBooks, rebuilt the chart of accounts, and put together the reporting package. Buyer's diligence took 2 weeks instead of 3 months.”
Linda C.
Former Owner, $15M general contractor, restoration
“They pulled a report and found 47 jobs that were completed but never invoiced. $87K sitting there. That's not a rounding error, that's two months of payroll we just forgot to bill.”
Roberto J.
Owner, $3M commercial landscaping & maintenance
“We thought our prime cost was 62%. Real number was 68% once we included manager overtime and waste we weren't tracking. Six points on $3M in revenue is $180K. We would have missed it for another year without someone watching the numbers weekly.”
Angela R.
Owner, $3M fast casual, two locations
“I thought we were running 20% margins. Real number was 11 after overhead allocation. Hard to hear but I'm glad someone finally told me. We've been repricing every job since.”
Chris W.
Owner, $6M residential roofing & exteriors
“We had 40 commercial contracts and no idea which ones actually made money after labor and drive time. Three of our biggest accounts were underwater. We repriced or dropped them and net margin went from 8% to 14% in one quarter.”
David K.
Owner, $2.5M commercial cleaning company
“We were getting ready to sell and the books were a disaster. They cleaned up 3 years of QuickBooks, rebuilt the chart of accounts, and put together the reporting package. Buyer's diligence took 2 weeks instead of 3 months.”
Linda C.
Former Owner, $15M general contractor, restoration
“They pulled a report and found 47 jobs that were completed but never invoiced. $87K sitting there. That's not a rounding error, that's two months of payroll we just forgot to bill.”
Roberto J.
Owner, $3M commercial landscaping & maintenance
“We thought our prime cost was 62%. Real number was 68% once we included manager overtime and waste we weren't tracking. Six points on $3M in revenue is $180K. We would have missed it for another year without someone watching the numbers weekly.”
Angela R.
Owner, $3M fast casual, two locations
“I thought we were running 20% margins. Real number was 11 after overhead allocation. Hard to hear but I'm glad someone finally told me. We've been repricing every job since.”
Chris W.
Owner, $6M residential roofing & exteriors
“We had 40 commercial contracts and no idea which ones actually made money after labor and drive time. Three of our biggest accounts were underwater. We repriced or dropped them and net margin went from 8% to 14% in one quarter.”
David K.
Owner, $2.5M commercial cleaning company
“We were getting ready to sell and the books were a disaster. They cleaned up 3 years of QuickBooks, rebuilt the chart of accounts, and put together the reporting package. Buyer's diligence took 2 weeks instead of 3 months.”
Linda C.
Former Owner, $15M general contractor, restoration
“They pulled a report and found 47 jobs that were completed but never invoiced. $87K sitting there. That's not a rounding error, that's two months of payroll we just forgot to bill.”
Roberto J.
Owner, $3M commercial landscaping & maintenance
“We thought our prime cost was 62%. Real number was 68% once we included manager overtime and waste we weren't tracking. Six points on $3M in revenue is $180K. We would have missed it for another year without someone watching the numbers weekly.”
Angela R.
Owner, $3M fast casual, two locations
“I thought we were running 20% margins. Real number was 11 after overhead allocation. Hard to hear but I'm glad someone finally told me. We've been repricing every job since.”
Chris W.
Owner, $6M residential roofing & exteriors
“We had 40 commercial contracts and no idea which ones actually made money after labor and drive time. Three of our biggest accounts were underwater. We repriced or dropped them and net margin went from 8% to 14% in one quarter.”
David K.
Owner, $2.5M commercial cleaning company
“We were getting ready to sell and the books were a disaster. They cleaned up 3 years of QuickBooks, rebuilt the chart of accounts, and put together the reporting package. Buyer's diligence took 2 weeks instead of 3 months.”
Linda C.
Former Owner, $15M general contractor, restoration
“They pulled a report and found 47 jobs that were completed but never invoiced. $87K sitting there. That's not a rounding error, that's two months of payroll we just forgot to bill.”
Roberto J.
Owner, $3M commercial landscaping & maintenance
Operations analytics from contractors, healthcare practices, restaurants, staffing agencies, and cleaning companies across 2,200+ service businesses. We know what good looks like — and we’ll help you get there.
Common questions
Your bookkeeper records transactions. Your CPA files taxes. A fractional CFO tells you where your money is going, forecasts cash, and helps you make better decisions month to month. We give you CFO-level insight without the full-time cost.
QuickBooks, Sage Intacct, Xero, ServiceTitan, BuildOps, Jobber, Housecall Pro, Procore, Toast, Gusto, ADP, and 30+ other platforms. If you use it, we connect to it. Setup takes 15 minutes — read-only, no failed implementations.
From $1M to $100M+ in revenue. Service businesses, professional practices, restaurants, ecommerce brands, and venture-backed startups. Smaller businesses typically start with bookkeeping and advisory. Larger operations use us for analytics, dashboards, and CFO-level strategy.
Yes. Invoicing, collections, bill pay, payroll, monthly bookkeeping close, and bookkeeping cleanup are all included in our standard engagement. For clinical insurance billing (claims, denials, insurance mix), we coordinate with your existing billing provider rather than replacing it. We connect to QuickBooks, Xero, Sage Intacct, ServiceTitan, BuildOps, athenahealth, Tebra, Stripe, and 30+ other platforms.
Yes. We have a dedicated startup practice for AI, SaaS, and healthcare/digital health companies — see our /services/startups hub. The founder-led practice has YC + Tier 1 VC raise experience firsthand, and our team handles R&D credits, equity tax planning, board decks, treasury management, and the founder-specific tax strategies most CPAs miss. Bookkeeping starts at $99/month.
Most of our clients start that way. We clean up your QuickBooks, set up a proper chart of accounts for your industry, and reconcile everything before we start the analysis. Cleanup is included.
Within 48 hours. Connect your accounting or operations software and we deliver a free assessment benchmarked against 2,200+ service businesses. From there, our team validates your data and starts delivering insights — accelerated by AI, not replaced by it.
No. AI handles data mapping and anomaly detection at scale — but humans deliver the insights and take action. Your team includes experienced CFOs and controllers who interpret the data, call you with recommendations, and execute changes in your books.
Yes. Your data is never used to train AI models and never mixed with other clients' data. Read-only integrations, end-to-end encryption, and NDAs with every client.
Three layers, one ladder. Books at $99/month (clean monthly bookkeeping — the on-ramp). Fractional CFO at $1,500–$3,000/month (job-level profitability, cash flow forecasting, monthly strategy calls). CFO + Operations from $3,000+/month for $10M+ businesses building durable scale. Every engagement starts with a free profitability audit. No long-term contracts.
Your data already tells you what to do
We just make it talk.
Drop your info and we’ll reach out within 24 hours. Free audit included.
No commitment. Real numbers, not generic advice.