Commercial Contractors
Bid and bonded work. Retainage, progress billing against a schedule of values, and a surety who decides how much you can carry.
Learn More For general contractors and the trades. 450+ owners served since 2015.
The finance department your jobs actually need.
General contractors, HVAC, plumbing, electrical, and roofing. Job costing that reconciles to the field, a WIP schedule your surety can read, and a cash forecast built on your real draw schedule.
450+
Owners Served Since 2015
97%
Client Retention Rate
26+
Team Members
Which one is your week?
Both are commercial construction and both run the same reporting. What differs is who is setting your terms right now.
Working Under a GC
Retainage, pay applications, change orders and prequalification. The paperwork arrives all at once, and it is where the margin is going.
Learn MoreMechanical, electrical, concrete, steel, glazing, fire protection. Not sure which one 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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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.