FRACTIONAL CFO SERVICES
A fractional CFO who only works with construction businesses
You don't need a $300k full-time CFO. You need CFO-level thinking on your numbers every month - someone who knows what a progress claim, a retention and a fading job look like, and tells you the truth about all three. That's what a fractional CFO is: senior financial leadership, a fraction of the time, a fraction of the cost.
What does a fractional CFO do for a construction company?
A fractional CFO owns the financial forward view: cash flow forecasting, project margin and WIP oversight, pricing strategy, bank and bond readiness, tax planning coordination, and the monthly numbers conversation that keeps decisions honest. Your bookkeeper records the past; your accountant handles compliance; the CFO makes the numbers drive what happens next.
What's included
Monthly CFO pack
Cash, WIP, job margins and the 5 numbers that matter, readable in 5 minutes.
Fortnightly numbers rhythm
Short working sessions so nothing drifts for a quarter unnoticed.
Cash flow forecasting
13-week and 12-month views.
Project profitability oversight
WIP and margin tracking with actions, not observations.
Pricing and tender support
Margins set deliberately, bids sanity-checked against capacity and cash.
Growth and structure strategy
When to hire, when to say no to a project, how to structure for tax and risk.
Bank, bond and insurer readiness
Financials presented the way icare, VMIA/BPC and lenders want to see them.
A CFO on call
When the big decision lands mid-month, you don't wait for the next meeting.
Is a fractional CFO right for your business?
It usually makes sense when you're a builder, contractor or developer turning over $2M-$50M and at least one of these is true: cash is tight even though jobs are 'profitable'; you find out job margins after handover; you're pricing from gut feel; growth is being funded by the next deposit; or the bank/insurer is asking harder questions than your reports can answer.
How we start
1. Free strategy session
2. Financial health check
3. Fixed-fee proposal
Your projects, structure and goals; where the numbers are holding you back.
Reports, systems and cash reviewed for quick wins and critical risks.
Clear scope, fixed monthly fee, start within weeks.
How much does a fractional CFO cost in Australia?
Typically a fixed monthly fee that's a fraction of a full-time CFO's $250k-$350k package - most construction businesses invest somewhere between a junior admin wage and a site supervisor's salary for CFO-level leadership. After a free strategy session and health check we quote a fixed monthly fee up front, so you know exactly what you're paying and what you get before you commit. No lock-ins, no surprise hours.
Frequently asked questions
What's the difference between a fractional CFO and a virtual CFO?
Mostly branding. What matters is construction specialisation - generic CFOs miss WIP, retentions, progress-claim timing and profit fade because they've never lived them. We work exclusively with construction businesses.
Do we have to leave our accountant or bookkeeper?
No. We sit between day-to-day bookkeeping and year-end tax, and we make both of them more effective.
How much of the CFO's time do we get?
Enough to run the monthly rhythm properly - fortnightly sessions, the monthly pack, and ad-hoc access when decisions can't wait. It's structured around outcomes, not hours.
How fast do we see results?
The forecast and WIP visibility land in the first month. Cash and margin improvements typically follow within one to two claim cycles, because the leaks become visible and get actioned.