Bookkeeping & CFO

Bookkeeping & CFO Services For Contractors Who Want To Scale With Confidence

Running a contracting business is demanding. Between managing crews, bidding jobs, ordering materials, handling clients, and staying compliant, financial management often becomes an afterthought until cash flow tightens or growth stalls.

Contractor In Charge provides specialized bookkeeping and CFO services for contractors, built to give you complete financial clarity, better control over profits, and the strategic insight needed to grow sustainably without the cost or commitment of a full-time accounting department.

Our outsourced, fractional financial model gives you access to experienced bookkeeping professionals, controllers, and CFO-level expertise exactly when you need it.

Why contractors need specialized bookkeeping & CFO services

Contractors face financial challenges that general accountants often don’t understand. Job costing, retainage, progress billing, seasonal cash flow, labor fluctuations, equipment depreciation, and compliance requirements make contractor accounting uniquely complex.

Without accurate financial systems in place, contractors often experience:

• Unclear job profitability
• Cash flow shortages despite strong sales
• Overpaying taxes or missing deductions
• Delayed invoicing and collections
• Inability to forecast growth or hire confidently
• Financial decisions based on guesswork, not data

Contractor In Charge solves these problems by providing construction-focused bookkeeping and CFO services that turn your numbers into a powerful business tool not just reports you never look at.

Full-service bookkeeping & CFO solutions built for contractors

Our services are designed to scale with your business. Whether you’re a small contractor needing clean books or a growing company requiring CFO-level strategy, we provide the right level of support at the right time.

We act as your outsourced financial team, delivering structure, insights, and leadership across every stage of growth.

Contractor bookkeeping services that keep your financials accurate & compliant

Accurate bookkeeping is the foundation of a profitable contracting business. Without it, even strong revenue can hide serious financial risks.

Our contractor bookkeeping services include:

• Daily and monthly transaction categorization
• Accounts payable and vendor management
• Accounts receivable and progress billing support
• Payroll coordination and labor cost tracking
• Bank and credit card reconciliations
• Expense tracking by job, crew, and category
• Financial statement preparation (P&L, Balance Sheet, Cash Flow)
• Software setup and optimization (QuickBooks, Xero, construction tools)

We ensure your books are clean, accurate, and contractor-ready, giving you confidence that your numbers reflect reality not estimates.

Job costing & profit tracking for contractors

One of the most common reasons contractors struggle financially is poor job costing. Revenue alone doesn’t matter profit per job does.

Contractor In Charge implements job costing systems that allow you to:

• Track labor, materials, and overhead per project
• Identify profitable vs. unprofitable job types
• Adjust pricing based on real data
• Prevent margin erosion before it becomes a problem
• Make informed bidding decisions

With accurate job costing, you’ll know exactly where your money is being made and where it’s being lost.

Fractional CFO services for contractors

When your business reaches a certain size, bookkeeping alone is not enough. You need strategic financial leadership but hiring a full-time CFO is expensive and often unnecessary.

That’s where fractional CFO services for contractors come in.

What our contractor CFO services provide:

• Financial forecasting and cash flow planning
• Budget creation and monitoring
• Profitability analysis by job, service, or division
• Strategic growth planning and scaling guidance
• Hiring and expansion readiness assessments
• Pricing strategy and margin improvement
• Debt, financing, and capital planning support

Your CFO works alongside you as a trusted advisor helping you make smarter decisions based on real numbers, not assumptions.

Financial forecasting & cash flow management for contractors

Cash flow is the lifeline of every contracting business. Even profitable contractors can fail due to poor cash flow planning.

Our CFO team helps you:

• Forecast future cash inflows and outflows
• Prepare for seasonal slowdowns
• Plan payroll, equipment purchases, and expansion
• Avoid cash crunches caused by retainage or delayed payments
• Build reserves for stability and growth

With clear cash flow forecasting, you gain peace of mind and the ability to plan proactively instead of reacting to financial stress.

Controller services to strengthen financial oversight

As your business grows, financial oversight becomes more complex. A fractional controller bridges the gap between bookkeeping and CFO strategy.

Controller services include:

• Reviewing and validating financial statements
• Ensuring internal controls and accuracy
• Managing accounting processes and workflows
• Overseeing payroll and compliance
• Supporting audits, lenders, and investors
• Improving reporting accuracy and consistency

Controllers ensure your financial foundation is strong, reliable, and ready for growth.

Staff accountant support for daily financial operations

For contractors without an internal accounting team, our staff accountant services provide essential day-to-day support.

Staff accountants handle:

• Invoicing and billing
• Vendor payments and expense tracking
• Payroll coordination
• Commission and labor tracking
• Routine reporting and reconciliations

This level of support gives smaller and mid-sized contractors the operational structure needed to stay organized and financially informed.

Outsourced accounting services that scale with your business

Our outsourced model allows you to scale financial support up or down as your needs change.

Instead of hiring full-time employees, you gain access to:

• Bookkeepers
• Staff Accountants
• Controllers
• CFOs

All under one roof, aligned with your business goals.

You only pay for the time and expertise you need, making it a cost-effective alternative to traditional in-house accounting.

Why contractors choose contractor in charge

Accounting & CFO expertise built for contractors

We specialize in working with contractors and trades businesses. Our systems, insights, and strategies are designed specifically for your industry.

Flexible, fractional engagements

No long-term contracts. No unnecessary overhead. Get expert financial support on your terms.

Real-time financial visibility

We turn your numbers into clear, actionable insights so you always know where your business stands.

Strategic guidance, not just reports

We don’t just deliver financial statements. We explain what they mean and how to use them to grow.

Support at every stage of growth

From startup contractors to established businesses, we scale with you as your needs evolve.

Industries we serve

Contractor In Charge works with a wide range of contracting and trades businesses, including:

• General Contractors
• HVAC Contractors
• Plumbing Contractors
• Electrical Contractors
• Roofing Companies
• Remodeling & Renovation Contractors
• Landscaping & Outdoor Services
• Specialty Trade Contractors

Our flexible model adapts to your business size, structure, and goals.

The true cost of poor financial management

Without proper bookkeeping and CFO oversight, contractors often experience:

• Missed growth opportunities
• Cash flow emergencies
• Underpricing jobs
• Overworking without increasing profits
• Stress and burnout

Investing in professional bookkeeping and CFO services isn’t an expense, it’s a strategic advantage that protects your business and your time.

Take control of your financial future

You didn’t start your contracting business to stress over numbers. With Contractor In Charge, you gain a financial partner who understands your industry and is committed to your success.

Whether you need clean books, better cash flow, or strategic CFO guidance, we provide the leadership and clarity you need to move forward confidently.

Schedule your free consultation today

Let’s talk about your goals, challenges, and how our bookkeeping and CFO services for contractors can help you build a stronger, more profitable business.

Schedule your free consultation today and take control of your financial future.