Commercial Contractors
Owners and developers, through bid work. You are bonded or trying to be, and a surety decides how much you can carry at once.
Learn More For contractors. 450+ owners served since 2015.
The finance department your jobs actually need.
Build commercial and the constraint is bonding capacity, retainage and pay applications. Build residential and it is the tax bill nobody warned you about. Two practices, construction only.
450+
Owners Served Since 2015
97%
Client Retention Rate
26+
Team Members
Book a review
Thirty minutes on your open contracts
A construction CFO looks at your process and your numbers and tells you where the constraint actually is.
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30 minutes • No cost • Nothing to buy
Who hires you?
The answer decides what your books have to do. The first two are commercial construction and run the same reporting. The third is a different practice with a different problem.
Working Under a GC
A general contractor, on commercial jobs. Retainage, pay applications, change orders and prequalification arrive all at once, and that is where the margin goes.
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Residential and Light Commercial
Homeowners and property owners, direct. Service work, replacements and remodels, maybe some light commercial. Nobody holds retainage and nobody prequalifies you. What costs you is the tax bill.
Learn MoreCommercial: mechanical, electrical, concrete, steel, glazing, fire protection. Residential and light commercial: HVAC, electrical, plumbing, roofing, remodeling. Not sure which of the first two you are? Answer six questions from memory and you will know. No email, nothing collected, about a minute.
Nobody calls us because the books are messy.
They call because something already went wrong, and it turned out to be a reporting problem wearing a different hat. These are the three we hear most.
You made money and your limit did not move
A surety sets your capacity off your work-in-progress schedule, your working capital and your equity. When that schedule gets rebuilt once a year from memory, the ceiling arrives earlier than your business earned, and you bid inside it without being told why.
The pay app came back and you lost thirty days
A G702 that does not tie to the schedule of values gets rejected, and the next billing window is a month out. You financed that month yourself, and almost none of it was a dispute about the work.
Profitable on paper, short in the bank
Retainage is held and draws land on someone else's schedule, but you bought the material and made payroll every Friday. You financed the job. A forecast built on last year's pattern does not see the squeeze coming.
One Finance Department, Not Five Vendors
Bookkeeping, proactive tax, and a fractional CFO under one team and one monthly invoice. No more juggling logins and praying the numbers add up.
Never Touch Your Books Again
Your books closed in 5 business days, every month. Statements a surety and a lender can read, and zero reconciliation on your end.
Avg. close time: 5 daysTax Handled Before Year End
Method election, equipment timing, and entity structure decided while they can still change the number, not discovered when your CPA files.
Planned, not filedA CFO Without the Full-Time Salary
Budgets, forecasts, board-ready reporting, and a strategic partner who knows your numbers cold, without the full-time salary.
Without the full-time salaryKnow Your Runway, Always
13-week cash forecasts and weekly reports so you spot shortfalls before they happen, and fund growth when the timing is right.
Zero surprise shortfallsReal Results from Real Clients
Names shortened and company replaced with industry, the same discretion we would give you.
$127K
Tax Savings Found
"Today CFO found $127K in tax savings my previous CPA missed. They've done more for my business than any firm I've worked with in 20 years."
100%
Fully Compliant in 30 Days
"Our books were a disaster. Today CFO got us fully compliant, streamlined everything, and made major business decisions so much easier. Highly recommend."
Every testimonial is from a real Today CFO client.
Certified Partners
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Here about someone else's books?
A surety agent underwriting a schedule he has to take on faith, or a general contractor with a sub whose paperwork keeps failing his prequal, is having a different conversation from the one above. There are pages written for those rather than for the contractor buying the engagement.
For surety agents For general contractors CPA firms, fractional CFOs and brokers
Ready to Stop Leaving Money on the Table?
The decisions that change your tax bill are made before year end, not at filing. Find out where yours stand.