Fractional CFO Services · NYC Metro

You don't need a $400K CFO. You need someone who reads a WIP schedule.

Strategic finance built for New York's small and mid-size contractors. Job costing, bonding capacity, cash flow, prevailing wage compliance — handled by someone who knows what an AIA G702 is without Googling.

Book a free 30-min call → See pricing
10–15%
Average margin lift in year one with proper job costing
$5K–$15K
Monthly investment vs. $250K+ for a full-time CFO
$1M–$30M
Revenue range we work with — GCs, subs, specialty trades
Sound familiar?

Your books are technically up to date. Your finances aren't.

What we do

Built for builders. Not consultants pretending to know construction.

Every service we offer addresses a real problem in contractor finance — not generic small-business advisory. We coordinate with your existing CPA, attorney, banker, and bonding agent. We don't replace them; we make them more effective.

01

Job Costing & WIP

The reports your surety actually wants to see — and the discipline to produce them every month, on time, without a fire drill.

  • CFMA-format WIP schedules
  • Percentage-of-completion accounting
  • Over/under billing analysis
  • Cost code structure and PM training
  • Estimate-to-actual variance reporting
02

Cash Flow Discipline

Stop being surprised by Friday payroll. Build the systems that tell you what's coming 13 weeks out.

  • 13-week rolling cash forecast
  • Retainage tracking & release strategy
  • AR aging and collection protocols
  • AIA G702/G703 billing review
  • Working capital optimization
03

Bonding & Banking

Surety relationship management that turns "what's your aggregate?" from a stressful question into a confident answer.

  • Bonding capacity expansion roadmap
  • Quarterly surety submissions
  • LOC negotiation and renewal
  • Banking RFPs and treasury setup
  • Equipment financing analysis
04

NYC & NYS Compliance

The local stuff out-of-state CFOs miss. Prevailing wage, certified payroll, and the NYC tax landscape nobody warned you about.

  • NYS prevailing wage (Labor Law §220)
  • Certified payroll (LS-300, WH-347)
  • DOB, SCA, NYCHA, EDC prequalification
  • M/WBE & SDVOB certification packages
  • NYC CRT, MTA Mobility Tax, UBT planning
05

Strategic Planning

Annual budgets that hold up. KPI dashboards your team will actually look at. Growth decisions backed by numbers, not gut feel.

  • Annual budget & quarterly reforecasts
  • KPI dashboards (gross profit, backlog, DSO)
  • Bid markup & pricing strategy
  • Acquisition & succession planning
  • Quality of Earnings for sale prep
06

Tax Coordination

We're not your CPA — we make your CPA more effective. Year-round strategy, not April scrambling.

  • Entity structure & comp review
  • Look-back method & Section 460
  • R&D tax credit qualification
  • Cost segregation coordination
  • Year-round CPA collaboration
Engagement options

Transparent pricing. No "call for quote" games.

Three monthly retainer tiers, all aligned to a $275 hourly rate. Pick the one that fits your size and complexity. Adjust anytime — no long-term lock-in after the initial 90-day engagement.

Foundation
$5,500/mo
For contractors $1M–$3M revenue
  • Up to 20 hours / month
  • Monthly close review & reporting
  • Quarterly WIP schedule (CFMA format)
  • Quarterly 13-week cash forecast
  • Annual budget & KPI dashboard
  • Bonding/banking support on request
  • Email & phone access during business hours
Get started
Most popular
Builder
$9,500/mo
For contractors $3M–$10M revenue
  • Up to 35 hours / month
  • Bi-weekly working sessions
  • Monthly WIP & job-cost reporting by PM
  • Monthly cash forecast & AR review
  • Quarterly surety submissions & bank review
  • Quarterly board/owner meeting attendance
  • Prevailing wage compliance included
  • Slack/Teams real-time access
Get started
Executive
$15,000/mo
For contractors $10M–$30M revenue
  • Up to 55 hours / month
  • Weekly working sessions, on-site as needed
  • Real-time job costing & variance alerts
  • Weekly cash forecast updates
  • Active surety & banking relationship management
  • Monthly board meeting attendance
  • Bid review & markup analysis on jobs >$500K
  • Audit defense & full compliance coverage
Get started

Need project-based work? Bonding capacity packages from $9,500 · Financial diagnostics & 90-day roadmap at $5,500 · QofE prep · Job costing implementation. Hourly engagements at $275 standard / $425 expedited.

Discuss a project →
How it works

A clear path from "I'm drowning" to financial control.

No 6-month diagnostic engagements. No million-dollar implementations. We move fast because contractors don't have time to wait.

i

Discovery Call

30 minutes · Free

We talk about where you are, what's broken, and what good would look like. If we're not the right fit, we'll tell you and point you somewhere better.

ii

Diagnostic & Roadmap

2–3 weeks · $5,500

We review your books, systems, and reports. You walk away with a written 90-day roadmap and clear priorities — whether you continue with us or not.

iii

Engagement Begins

90-day initial term

We onboard, set up systems, and start delivering. After 90 days we review together — adjust scope, change tier, or move to month-to-month.

Common questions

The questions contractors actually ask.

If you're under $1M in revenue, probably not yet — focus on a great bookkeeper and a construction-savvy CPA. Between $1M and $30M, a fractional CFO usually pays for itself within the first six months through margin recapture, bonding capacity expansion, or just preventing one bad cash decision. Above $30M, you're entering full-time CFO territory.
Your CPA looks backwards — they record what happened and file your taxes. A CFO looks forward — what's coming in cash, what bid markup makes sense, whether you can afford to take on that next job, what your surety needs to expand your bonding line. We don't replace your CPA. We work with them, and most CPAs are relieved to have a financial partner on the client side who speaks their language.
Yes. We work with QuickBooks (Desktop and Online, Contractor Edition preferred), Sage 100 Contractor, Sage Intacct Construction, Foundation, CMiC, and Procore integrations. If your setup is held together with duct tape and pivot tables, we'll fix it — that's often part of the first 90 days.
Yes — we work in person across the five boroughs, Long Island, Westchester, and northern New Jersey. The Builder tier includes quarterly on-site visits; the Executive tier includes monthly. For everything else, we work remotely with regular video calls and Slack/Teams access. Most clients land on a hybrid that fits their style.
That's what our project pricing is for. Bonding capacity packages run $9,500. Financial diagnostics are $5,500. QuickBooks/Sage cleanup runs $7,500–$15,000 depending on scope. M/WBE financial packages run $4,500–$7,500. No retainer commitment — fixed fee, defined deliverable, done.
Not directly — that's not our highest value to you. If your bookkeeping is a mess, we'll help you find a construction-experienced bookkeeper (in-house or outsourced) and we'll set up the systems they need to do their job well. Then we supervise and review.
Initial 90-day engagement, then month-to-month with 30 days' notice. We re-scope every six months together. Real construction CFO work takes time to show results — but we don't believe in trapping clients with long-term contracts. If we're not creating value, you should be free to leave.
Let's talk

Book a free 30-minute discovery call.

No pitch deck. No hard sell. Just a conversation about your business, your numbers, and whether we're the right fit. If we're not, we'll tell you.

Prefer direct? hello@excel-advisory.com Or call (212) 555-0100