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TAB Services

Fractional CFO

CFO-level leadership without the CFO salary.

When the company outgrows gut feel, you need someone who can model the decisions in front of you: hiring a crew, buying equipment, bidding bigger work, or opening a new division. That is what a fractional CFO does, a few days a month instead of full-time.

The problem

What we usually find.

Cash is always tight

Retainage, slow-paying GCs, and payroll every week make cash a constant worry, even in good years.

Big decisions on gut feel

New equipment, hiring, and bidding bigger work are decided without a model behind them.

No one owns the numbers

You are the owner, estimator, and project manager. Financial strategy keeps falling to the bottom of the list.

What you get

What is included.

Every engagement is scoped to your company. These are the pieces most clients start with.

  • 13-week and annual cash flow forecasting
  • Annual budget and financial modeling
  • KPI dashboard reviewed with you each month
  • Profitability analysis by job, job type, and division
  • Bank, surety, and investor relationship support
  • Strategic planning and growth advisory

The result

What changes for you.

Cash you can predict

See shortfalls weeks ahead and plan around them.

Decisions with data

Model the choice before you commit to it.

A real financial partner

Someone in your corner who knows construction.

FAQ

Fractional CFO: common questions.

What does a fractional CFO do?

A fractional CFO provides the same strategic financial leadership as a full-time CFO, on a part-time basis. That typically means cash flow forecasting, budgeting, KPI tracking, profitability analysis, and advice on major decisions like hiring, equipment, and growth.

When does a contractor need a fractional CFO?

Common signs: revenue is growing but cash is tight, you are bidding larger or bonded work, you are making big equipment or hiring decisions, or your bank and surety are asking for more than your current reports provide.

How much does a fractional CFO cost?

It depends on the scope and how often we meet. After a free call and a review of your books, you get a fixed monthly quote with no hourly billing surprises. It is a fraction of the cost of a full-time CFO.

Related services

Often paired with.

WIP Reporting & Bonding Support

Accurate work-in-progress schedules that catch over and under billings early and give your surety and bank numbers they trust.

Learn more

Construction Tax Planning

Year-round tax strategy built for contractors, from entity structure to equipment depreciation to estimated payments.

Learn more

Ready to get clear on your numbers?

Book a free 30-minute call. We will talk about where your numbers are now, where you want them to be, and whether TAB Services is the right fit.