Fractional CFO for the Trades
Your finances, straight.
The typical contractor has $450K–$4M in cash they've already earned sitting in their system — uncollected, unbilled, or stuck. We show you exactly where.
Works with your existing software
BuildOps, Spectrum, QuickBooks, 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 AR
- ×$200K+ AR outstanding — 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
Close AR faster
High-aging AR flagged with automated follow-up cadence
Stop SA churn
Proactive renewal outreach for SAs expiring in 90 days
Fix quote leakage
Even 10% conversion on forgotten quotes = significant cash
How We Work
The CLEAR Framework.
We analyze every contractor 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 crew generating returns?
Earnings
Are you keeping what you earn?
Accounts
Are you winning and keeping work?
Risk
Are you exposed?
Benchmarked against 2,200+ contractors
From chaos to clarity
Most contractor books are 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%
SA Margin
94.8%
Collection (Top Decile)
+$45K
Cash Position
$12M
SA 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.
Get Your Free Assessment- Read-only connection — 15 min setup
- Benchmark comparison against 2,200+ contractors
- 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 contractor CFOs and controllers
Your team has run financial ops inside PE-backed contractor portfolios. 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.
Bookkeeper 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 | — | — | ✓ |
| Live WIP & project cost tracking | — | — | ✓ |
| Cash flow forecasting | — | — | ✓ |
| Benchmark against 2,200+ contractors | — | — | ✓ |
| Monthly strategy calls | — | — | ✓ |
| AR aging, compliance holds & collections | — | — | ✓ |
| Prequal-ready financials & bonding | — | — | ✓ |
| Tax planning & optimization | — | ✓ | ✓ |
| Exit readiness | — | — | ✓ |
| Understands contractor ops | Rarely | Rarely | ✓ |
| Integrates with field management software | — | — | ✓ |
We can handle your bookkeeping and tax compliance — or work alongside your existing team. We’ve done both.
What contractors 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
“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
“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
“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
“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
“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
“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
“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
“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
“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 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
“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 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
“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 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
“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 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 regional leaders, national platforms, and PE-backed contractor portfolios across 2,200+ contractors. 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, and 20+ other platforms. If you use it, we connect to it. Setup takes 15 minutes — read-only, no failed implementations.
From $1M startups to $100M+ operations. Smaller shops typically need bookkeeping, job costing, and advisory. Larger shops use us for analytics, dashboards, and CFO-level strategy.
Most of our clients start that way. We clean up your QuickBooks, set up a proper chart of accounts for your trade, and reconcile everything before we start the analysis. Cleanup is included.
Within 48 hours. Connect your field management software and we deliver a free assessment benchmarked against 2,200+ contractors. 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 former contractor 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 contractors' data. Read-only integrations, end-to-end encryption, and NDAs with every client.
Plans start at $99/month for bookkeeping. $500/month for accrual-basis job costing. $1,500/month for full CFO-level work. 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. Cancel anytime.