Financial Management
Working Capital for Contractors: Cash Flow That Actually Works
Profit and cash are not the same thing. A contractor can run 14% net margin and still bounce a payroll check if...
Financial Management
What Is EBITDA? A Plain-English Guide for Home Services Contractors
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is the number that determines what your home services business is...
Financial Management
Bookkeeper vs Controller vs CFO: What Financial Role Does Your Home Services Company Need?
Bookkeeper vs. controller vs. CFO: what each role does, when you need them, and signs you've outgrown your current financial team.
Financial Management
When to Stop Doing Your Own Bookkeeping: The Inflection Points for Contractors
The DIY Bookkeeping Trap Every home services company starts with the owner doing the books. Or the owner’s spouse. Or a part-time...
Exit Preparation
Should You Sell Your Contracting Business or Keep It in the Family? A Decision Framework
I’ve had this conversation probably fifty times in the last two years. An owner walks in — usually late fifties, maybe early...
Exit Preparation
Contractor Succession Planning: How to Keep the Business in the Family Without Killing It
Most contractors who try to pass their business to a family member wing it. The ones who succeed treat it like a...
Financial Management
How to Sell Your HVAC Business: What Buyers Actually Pay For
After reviewing over 200 home services acquisitions across our careers in private equity — at firms like Apex Service Partners and Black...
Financial Management
Why Home Services Companies Need a Fractional CFO (Not Just a Bookkeeper)
Why home services companies need a fractional CFO, not just a bookkeeper. The ROI of CFO-level financial insights for contractors scaling past...
Financial Management
How to Beat MCA Lenders: Legal Strategies That Actually Work for Contractors
MCAs Are Not Loans, and That Is Your Leverage If you are a contractor stacked in Merchant Cash Advances and feel like...
Financial Management
Tariffs Are Raising Material Costs — Here’s How Home Service Businesses Should Respond
Material Costs Are Up. Your Margins Don’t Have to Be Down. If you run an HVAC, plumbing, electrical, or roofing company, you...
Financial Management
HVAC Maintenance Agreements: How Profitable Are They Really?
Are HVAC maintenance agreements actually profitable? Benchmarks, the real math on downstream revenue, and what PE buyers think about agreement programs.
Financial Management
Why Roofing Companies Go Bankrupt: Cash Flow Pitfalls That Kill Profitable Businesses
The Industry Nobody Talks About Honestly Roofing companies have one of the highest failure rates in home services. This is not speculation....
Exit Preparation
Market Multiples for Contractor Businesses: What’s Your Company Worth?
Current EBITDA multiples for contractor businesses by trade and size. What drives premium multiples and how the PE landscape has shifted since...
Financial Management
HVAC Business Plan: The Financial Playbook for Starting or Scaling
I’ve reviewed over 200 home services P&Ls over the course of my career. Before starting Profitability Partners, I was on the acquisitions...
Exit Preparation
HVAC Business Brokers: What They Do, What They Cost, and How to Choose One
If you’ve decided to sell your HVAC business, one of the first questions you’ll face is whether to hire a broker —...