Construction Financial Intelligence

The Questions Every Contractor Is Asking

Organized around how you actually think about your finances — not around accounting topics. When you want someone to own these numbers every month, see our construction fractional CFO service.

Browse by Question

Every category below reflects a real question contractors ask. Find yours — and find the answer.

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Why Is Revenue Up But Profit Down?

Revenue grows when you win more work. Profit shrinks when your costs grow faster than your prices — and most contractors cannot see this without service-line bookkeeping.

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Where Did the Cash Go?

Cash can be misleading on its own. A healthy bank balance ten days apart can hide two very different pictures of how your business is actually performing.

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Why Did I Lose Money on This Job?

You can't be an excellent contracting firm without precise job costing. Structure it by the same phases you use to estimate, and you'll always know exactly where the money went.

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Why Am I Always Busy But Short on Cash?

Busyness and profitability are not the same thing. High revenue with thin margins means you are financing your clients' projects with your own working capital.

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📈

How Do I Know Which Jobs Are Making Money?

You cannot know without job costing. Job costing tracks actual costs against estimated costs at the project level — most bookkeepers never set this up.

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Why Does My CPA Keep Finding Problems?

If you dread your annual conversation with the CPA, that dread is a tell. It means your bookkeeping isn't up to snuff — and the meter is running while they dig for answers.

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What Is a Construction Financial Authority?

A Construction Financial Authority keeps your books every week, understands construction finance at the CFO (Chief Financial Officer) level, and finds the money you are losing before the year is over.

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📊

How Do I Read My Financial Reports?

There are two fundamental reports for contractors: the Profit and Loss Statement and the Balance Sheet. They should be produced and studied every month.

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🎯

How Do My Numbers Compare to Other Florida Contractors?

Industry benchmarks vary by trade and revenue range. Knowing where you stand relative to competitors tells you whether your problem is execution or pricing.

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🚀

How Do I Prepare My Business for Growth or Sale?

Buyers and lenders look at three years of clean financials, consistent job costing, and a current WIP (Work In Progress) schedule. Most contractors cannot produce these on 30 days' notice.

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💻

What Do I Need to Know About Software?

QuickBooks Online was not designed for contractors. ServiceTitan, Buildertrend, and AccuLynx all sync with it — but the mapping requires someone who has done it before.

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⚖️

What Are My Rights and Risks with the IRS?

As an Enrolled Agent (EA), Will can represent you before the IRS (Internal Revenue Service) directly — something a standard bookkeeper cannot do. Keeping clean books year-round eliminates most IRS exposure.

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How Much Does a Fractional CFO Cost?

Construction fractional CFO engagements typically run $6,000 to $12,000 a month. What drives the fee, what it should buy, and how to tell if it pays for itself.

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📐

What Is a WIP Schedule, and Why Does My Surety Care?

A Work in Progress schedule compares what you have billed with what you have earned on every open job. It is what banks and sureties read first.

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Can't Find Your Answer?

Have a question the articles above don't cover? Request a free Bottom Line Blueprint Session with Will. Request one by email or phone.

Request a Session → or See the Fractional CFO Service →