Cash Flow Clarity. 10x Revenue Growth.
Trusted by trade
Real contractors. Real results.
"10x CFO rebuilt our books and our margins. Our profitability improved 40% year-over-year and we finally have clarity on every job."
"Finally KPIs that actually mean something for my trade. Cash flow visibility changed how we bid every job."
"Clean job costing across 200+ installs. We know exactly which projects make money — and which ones don't."
"Multi-entity consolidations, WIP reports, lender packages — all bank-ready. Our line of credit doubled."
"10x CFO rebuilt our books and our margins. Our profitability improved 40% year-over-year and we finally have clarity on every job."
"Finally KPIs that actually mean something for my trade. Cash flow visibility changed how we bid every job."
"Clean job costing across 200+ installs. We know exactly which projects make money — and which ones don't."
"Multi-entity consolidations, WIP reports, lender packages — all bank-ready. Our line of credit doubled."
What We Are Building
Not just reports. We architect the financial infrastructure that makes your contracting operation lender-ready, buyer-ready, and built to scale.
Real-Time Job Costing Engine
Live gross margin by job, phase, and crew. No more waiting until month-end to discover a project went sideways.
WIP & Revenue Recognition System
Defensible percentage-of-completion schedules, clean contract assets/liabilities, and audit-ready documentation.
13-Week Cash Forecast
Forward-looking cash flow visibility that shows exactly when you'll need your line of credit — and when you won't.
Lender & Investor Presentations
Bank-ready packages, surety bond submissions, CIMs, and quality of earnings reports that command respect.
The End State
A contracting business where the financials tell the same story as the operations — and buyers pay a premium for that clarity.
Legacy That Outlasts the Leader
The systems we build stay with your team. Whether you're growing for 2 years or 20, your financial foundation is institutional-grade from day one.
Built for Contractors, Subcontractors & Trades
Deep expertise in job costing, WIP reporting, multi-entity consolidations, and the financial complexity that comes with growing contracting, subcontracting, and trade businesses.
Financial Advisory
Executive-level financial leadership for contractors, subcontractors, trades, real estate, and PE-backed operators. Strategy, forecasting, lender and investor reporting.
Controller Services
Month-end close, multi-entity consolidations, intercompany reconciliations, and clean, audit-ready financial statements.
Job Costing & WIP
Project-level profitability, revenue recognition, and WIP schedules for portfolios exceeding $100M in active contracting and subcontracting work.
Tax Strategy & Compliance
IRS Enrolled Agent-led tax planning, multi-state compliance, and structuring strategies for owners and operators.
Cash Flow & Treasury
Cash forecasting, working capital optimization, lender relationships, and treasury operations across multiple entities.
Commercial Real Estate Portfolio Accounting
Lease billing, CAM reconciliations, commissions, fixed assets, and GAAP reporting across commercial real estate portfolios.
WIP, COGS & Revenue Recognition — Built for Lender Scrutiny
Sureties, banks, and private credit don't read your financials the way you do. We engineer WIP schedules, cost-of-goods-sold accuracy, and ASC 606 revenue recognition that holds up to underwriter review — so bonding capacity grows and credit lines expand.
Work-in-Progress (WIP) Schedules
- Contract value, billings-to-date, costs-to-date, and estimated cost-to-complete reconciled monthly
- Over/under billings calculated and tied directly to the balance sheet
- Job fade analysis to catch margin erosion before it hits the P&L
- Bond-ready WIP formatted to surety underwriting standards
Cost of Goods Sold (COGS) Discipline
- Direct labor, materials, subs, and equipment burdened with the right overhead allocation
- Job costing tied to GL so COGS reconciles to the WIP schedule every period
- Committed cost tracking — POs and subcontracts captured before invoicing hits
- Gross margin reporting by job, division, PM, and customer
Revenue Recognition (ASC 606)
- Percentage-of-completion using input method (cost-to-cost) — GAAP-compliant
- Variable consideration, change orders, and claims properly recognized
- Contract assets and contract liabilities separated and disclosed
- Audit-ready documentation for performance obligations and transaction price
Get the line of credit. Grow the bond program.
We package your financials the way underwriters want to see them — clean WIP, supportable backlog, normalized EBITDA, working capital analysis, and forward-looking cash flow. The result: faster approvals, better terms, and higher bonding capacity.
How We Strengthen Your Business
Six proven levers we pull to move your business forward — not just your margins.
Audit-Ready Financials
Clean financials build trust with lenders, investors, and partners. We deliver GAAP-grade statements, reconciled WIP, and zero-surprise reporting — so your credibility starts strong and stays strong.
Trade-Specific KPIs
Gross margin by job. Labor burden rate. Backlog coverage. Equipment utilization. We instrument your operation with the metrics that prove operational control to lenders and stakeholders.
WIP & Revenue Discipline
Accurate percentage-of-completion, disciplined cost-to-complete, and clean contract assets / liabilities. No more profit fade surprises that crater trust in your numbers.
Normalized EBITDA
We identify and document legitimate add-backs — owner compensation, one-time expenses, excess rent — then build a defensible bridge that shows true cash earnings. Stronger earnings = stronger business.
Lender Packages
Surety bond submissions, bank loan presentations, covenant compliance reports, and 13-week cash flow forecasts. We speak the language underwriters and credit committees expect — increasing your bonding capacity and credit lines.
Investor Packages
Private equity CIMs, quality of earnings reports, management presentations, and normalized financial histories. We package your operation as an institutional-grade business — not a fixer-upper.
The Mistakes That Kill Profit
We see the same costly errors across every trade. Here's what silently erodes your bottom line — and how we fix it.
WIP Guesswork
Most contractors eyeball percent-complete or bill based on cash needs. Buyers spot overstated revenue instantly and discount your multiple. We build disciplined, defensible WIP schedules with real cost-to-complete analysis.
Missing Retainage & A/R
Retention held by GCs, unbilled change orders, and disputed extras often go untracked. You think you have $800K in receivables; you really have $400K. We reconcile every contract balance down to the dollar.
Commingled Costs
Personal vehicles, family payroll, and one-time equipment buys buried in P&L lines make your EBITDA look unpredictable. We separate true operating costs and document legitimate add-backs for buyers.
No Job-Level Margin Visibility
If you can't name your three most profitable job types — and your three worst — you're flying blind. We implement job costing that shows gross margin by project, phase, and foreman in real time.
Delayed Month-End Close
Closing the books by the 20th of the next month means you're always reacting to stale data. Lenders and buyers want current financials. We target a 5–7 day close with zero-surprise reconciliations.
Ignoring Committed Costs
Signed POs, subcontract agreements, and pending change orders represent future cash outflows that don't show on your balance sheet. We track committed costs so you never bid jobs with phantom cash.
Why Choose 10x Revenue?
We don't just manage books — we engineer financials for sustainable growth. Every report, process, and strategy is designed to position your operation for 10x revenue growth.
Growth-Ready Financials
Audit-ready financial infrastructure and GAAP reporting that lenders and stakeholders demand. We build the systems that maximize your business potential.
Industry Specialization
15+ years exclusively in contracting, subcontracting, trades, commercial real estate, and multi-entity operations — not generalist advice repackaged for your sector.
Financial Engineering
Job costing, WIP accuracy, margin analysis, and consolidations that directly impact profitability and business strength.
"10x CFO didn't just organize our records — they rebuilt our entire financial infrastructure with one goal: sustainable growth. Our margins improved 40% and we finally have real visibility into every job."
What Are You Building — And What Legacy Will You Leave Behind?
Every job site is more than steel and concrete. It's your name on the permit. Your crew's paycheck. Your family's future. The company you spent decades growing deserves financials as solid as the foundations you pour — so when the time comes, you transition on your terms, with the strength you earned.
The 13-Week Cash Flow Template
The same quarterly cash forecast lenders, bonding companies, and CFOs use to keep subcontractors solvent through slow collections, retention holdbacks, and payroll surges.
- Pre-built for trade-specific inflows: progress billings, retention, change orders, T&M
- 23 outflow categories tuned to subs: field payroll, materials, bonding, equipment
- Auto-highlights any week your ending cash goes negative
- Job-level collection assumptions tab to map your open contracts
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Industries We Serve
Deep expertise across sectors that matter.
The KPIs That Actually Matter for Contractors
Stop reading P&Ls built for retail businesses. This is the dashboard we install — WIP, cash, AR, bonding capacity, and growth drivers — all in one place, updated weekly.
WIP & Job Margin
Work-in-progress health across active jobs
3 jobs trending below 15% — flagged for PM review
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Understand Your Numbers. Strengthen Your Business.
A practical advisory process for service-based and project-based business owners — built to surface cash flow pressure points, restore profit visibility, and prepare your business for whatever comes next.
Cash Flow Clarity
Where cash comes from, where it goes, and what's creating pressure — AR, AP, payroll timing, debt, credit cards.
Profit Visibility
Whether the business is truly profitable — gross profit, labor, job/customer/service-line margins, trends.
Financial Control
QuickBooks setup, chart of accounts, reporting, internal controls, approvals, multi-entity reporting.
Decision Support
Monthly review, budget-to-actual, cash flow forecasting, owner dashboard, KPI review, action plans.
Business Value Readiness
Cleaner, stronger, more transferable — record quality, recurring revenue, customer concentration, owner dependency.
Four Ways to Work Together
Cash Flow Clarity Review
One-timeFor owners making sales but still feeling cash pressure.
- →P&L, balance sheet, AR/AP review
- →Payroll, debt & credit card review
- →Cash flow pressure point analysis
- →30-day action plan + review meeting
Business Financial Health Review
One-timeFor owners who want to understand the overall financial health of the business.
- →Cash flow, profitability, expense structure
- →Debt & working capital review
- →QuickBooks & internal control review
- →Financial readiness checklist + priorities
Monthly Cash Flow Advisory
OngoingOngoing financial guidance for owners who want regular visibility.
- →Monthly financial statement review
- →Cash flow planning + AR/AP review
- →KPI dashboard & budget-to-actual
- →Owner advisory meeting + action items
Business Value Readiness Review
One-timeFor owners building a cleaner, stronger, more transferable business.
- →Financial record & reporting quality
- →Profit and cash flow trend review
- →Customer concentration + owner dependency
- →Process and internal control review
10x CFO Clarity to Growth™ is an advisory framework. We do not provide business valuation, brokerage, legal, tax, audit, or investment advice unless separately provided by licensed professionals. The business owner is solely responsible for all financial and operational decisions.
Flat-Fee CFO Packages. No Surprises.
Pricing scales with your trailing 12-month revenue and active job count. Multi-entity owners get stacked discounts. No hourly billing. No scope creep.
By Revenue Volume
Foundation
For growing contractors building the financial backbone.
- ✓Full-service construction bookkeeping
- ✓Monthly WIP & job costing reports
- ✓Bank & credit card reconciliations
- ✓Quarterly tax planning
- ✓Cash flow dashboard
Growth
For contractors scaling toward bonding and acquisition readiness.
- ✓Everything in Foundation
- ✓Financial Advisory advisory (2x/mo)
- ✓13-week rolling cash forecast
- ✓Controllership & month-end close
- ✓Bonding & lender package prep
- ✓KPI dashboard with benchmarks
Enterprise
For contractors preparing for sale, ESOP, or PE recapitalization.
- ✓Everything in Growth
- ✓Weekly strategy sessions
- ✓Quality of Earnings prep
- ✓Investor & PE-ready CIM
- ✓Board-grade reporting package
- ✓Dedicated controller assigned
By Active Job Count
Up to 15 Active Jobs
Standard for most subcontractors. No add-on fee.
16 – 50 Active Jobs
Multi-crew GCs and specialty contractors. Phase-level cost tracking.
51+ Active Jobs
Enterprise volume. Foreman-level margin reporting and PM accountability.
Multi-Entity Discount
Own multiple operating companies, holdcos, or related entities? Stack a discount on every additional entity rolled into one engagement.
Consolidated reporting, inter-company eliminations, and roll-up financials included at no extra charge.
60-day onboarding. Month-to-month after. No long-term contracts.
Already paid? Complete your onboarding form →
Are You Ready? Here's What We Need.
A clean engagement starts before the first meeting. Here's exactly what we need from you, what happens before work begins, and what you can expect from us.
Before Work Begins
Three things must be in place before we start.
- ✓Engagement Agreement signed
- ✓Scope of Work (Exhibit A) approved
- ✓Required initial payment received
One-time services: due in full before work begins. Monthly advisory: billed in advance.
Documents We'll Need
As applicable to your business and scope.
- →Profit & loss statements
- →Balance sheets
- →AR & AP aging reports
- →Bank & credit card statements
- →Payroll reports
- →Debt schedules & loan statements
- →Vendor & customer reports
- →Job or project profitability reports
- →Access to QuickBooks / accounting system
Owner Responsibilities
You're the decision-maker. We're the advisor.
- ●Provide timely, accurate, complete information
- ●Maintain proper books, records & internal controls
- ●Make all final business, financial, tax, legal & hiring decisions
- ●Review all reports, recommendations & deliverables
- ●Notify us promptly of errors, omissions, or changes
What's Included
- ✓Cash flow advisory & forecasting
- ✓Management reporting & KPI dashboards
- ✓Budget-to-actual & profitability analysis
- ✓Internal control & process recommendations
- ✓Owner advisory meetings & action plans
Not Included (Unless Separately Agreed)
- ×Audit, review, compilation, or attestation services
- ×Tax return preparation
- ×Legal, investment, or insurance advice
- ×Payroll processing or bookkeeping entry
- ×Loan underwriting or financing guarantees
Communication
Primary channels: email, phone, and video meetings. We respond to client communications within 1–2 business days.
Urgent requests, rush work, or work outside the agreed scope may require additional fees.
Services are advisory in nature and intended for internal business decision-making. The business owner is solely responsible for all financial, operational, tax, legal, and investment decisions. Full terms are set out in the Client Engagement Agreement.
Ready for Cash Flow Clarity and 10x Revenue Growth?
Let's build the financial infrastructure that puts cash in your hands today — and positions your operation for a stronger future tomorrow. No commitment required.
Or email us directly at hello@10xrevenue.com