Construction Industry
CFO Services for Commercial Contractors
WIP reporting, bonding capacity, and lien management for commercial general contractors and developers.
Can you help prepare for surety meetings?
Yes. Surety presentation preparation is a core competency. We prepare comprehensive financial packages, help you present your company in the best possible light, and address surety concerns proactively. We've helped contractors increase bonding capacity significantly through improved financial presentation.
Financial Leadership Built for Commercial Contractors
Commercial general contractors operate at the intersection of significant opportunity and substantial risk. Large projects mean large profits when executed well—but also large exposures when things go wrong. Bonding capacity constrains growth. And the complexity of managing owners, subcontractors, and lenders requires sophisticated financial management.
At 1CFO, we've worked with commercial GCs from $10M to $200M+ in annual revenue. We understand the unique financial challenges of commercial construction: WIP reporting that satisfies both sureties and bankers, cash flow management through lengthy project cycles, and the documentation and analysis needed to protect your interests on complex projects.
Whether you're seeking to increase bonding capacity, improve project selection, strengthen banking relationships, or prepare for larger projects, we provide the fractional CFO expertise that helps commercial contractors succeed at scale.
Ready to Transform Your Finances?
Get a free consultation with a CFO who specializes in commercial contractors.
Serving businesses from $2M to $50M+
How We Help Commercial Contractors
Our specialized CFO services address the unique financial challenges of your industry.
Professional WIP Reporting
WIP schedules that satisfy bankers, sureties, and CPAs. We ensure your WIP accurately reflects your work and supports your financial relationships.
Bonding Capacity Optimization
Strategic positioning to maximize single and aggregate bonding limits. We work with your surety to present your company optimally and build capacity.
Lien Rights Management
Systems and processes to protect and manage lien rights on commercial projects. We help you maintain your rights and document your position.
Joint Venture Accounting
JV accounting, reporting, and financial management for joint venture projects. We ensure JV financials are accurate and aligned with partnership agreements.
Large Project Risk Analysis
Financial analysis to evaluate go/no-go decisions on significant projects. We help you understand the risks and requirements before committing.
Banking Relationship Optimization
Financial packages and presentations that strengthen banking relationships. We help you access the credit facilities your business requires.
The Commercial Contractors Financial Landscape
Commercial construction is a demanding business. Projects are large and complex. Margins are typically thin, leaving little room for error. And the stakeholder relationships—owners, architects, subcontractors, sureties, bankers—create a web of obligations and exposures that require careful management.
Financial sophistication provides genuine competitive advantage in commercial construction. Contractors who can demonstrate strong financial management win better projects, access more bonding capacity, and maintain healthier banking relationships. And contractors who truly understand their job costs bid more accurately and identify problems earlier.
The commercial construction market also has significant cyclicality. Economic conditions affect building demand. Credit availability affects project financing. And competitive dynamics shift as the market moves through cycles. Financial planning must account for these realities.
Why Work with a Commercial Contractors Financial Specialist?
Commercial construction financial management requires expertise that goes beyond general construction knowledge. WIP accounting at commercial scale involves millions of dollars in overbillings and underbillings that must be explained to sureties and bankers. Bonding relationships require specific financial presentations and ongoing communication. And the risk management inherent in large projects demands sophisticated financial analysis.
Our team has deep experience specifically with commercial contractors. We understand how to prepare WIP schedules that satisfy the requirements of both sureties and banks. We know how to structure financial presentations that support bonding capacity increases. We can analyze large project opportunities and identify the financial risks and requirements.
We also understand commercial construction relationships. The dynamics between GCs and owners, the management of subcontractor relationships, and the importance of documentation in dispute situations. This contextual understanding informs our financial guidance.
Commercial Contractors Financial Challenges We Solve
Common pain points we help eliminate for commercial contractors businesses.
Large Project Financial Exposure
Big projects create big exposures. A single troubled project can threaten company stability. Proper risk analysis and ongoing monitoring are essential.
Bonding Constraints
Bonding capacity often constrains growth. Improving financial positioning to increase bonding limits requires strategic effort.
GC/Subcontractor Payment Chains
Managing payment flows through complex project structures—ensuring subs are paid appropriately while protecting cash position.
Working Capital for Backlog
Growing backlog requires working capital. Funding growth through the cash flow gap between expenses and collections is challenging.
Change Order Documentation
Change orders represent significant value—but only if properly documented and pursued. Financial systems must support change order management.
Surety & Banking Requirements
Meeting the ongoing information requirements of sureties and bankers requires discipline and systems.
Frequently Asked Questions
Recommended Services
Ready to Transform Your Commercial Contractors Finances?
Schedule a free consultation to discuss your specific challenges and learn how our CFO services can help your commercial contractors business thrive.