Fractional CFO for Home Services Companies
A Fractional CFO Who Knows Home Services
We’ve reviewed over 200 home services acquisitions from the buy side. We know where margin hides, what kills deals, and exactly which financial levers move the needle for contractors.
Book a Free Profitability Review →
Why generic CFOs don’t work for contractors
Most fractional CFOs come from SaaS, e-commerce, or professional services. They can produce a clean P&L, but they don’t understand the financial mechanics that drive profitability in the trades.
They don’t understand job costing
Home services profitability lives and dies at the job level. A generic CFO looks at revenue and expenses in aggregate. They can’t tell you that your install department runs at 48% gross margin while service runs at 62% — or that your Tuesday afternoon dispatcher is booking unprofitable callbacks because the routing is wrong.
They miss seasonal cash flow patterns
Every trade has a different revenue curve. HVAC peaks in summer and winter. Roofing dies in January. Plumbing stays relatively flat but spikes after storms. A CFO who doesn’t know your trade’s rhythm will build a forecast that’s wrong by the second quarter — and you’ll either over-hire or run out of cash.
They can’t read ServiceTitan data
The operational data that drives financial outcomes — revenue per tech, average ticket, booking rate, cost per lead by channel — lives in ServiceTitan, Housecall Pro, or Jobber. A CFO who can’t connect field operations to your P&L is flying blind. We pull data directly from your field management platform and tie it to financial results.
They don’t know what buyers look at
If you ever want to sell your company — or just want it to run like one worth selling — your financials need to tell the right story. We’ve been on the buy side of 200+ home services acquisitions. We know what PE firms, strategic buyers, and consolidators evaluate, and we build your reporting to match.
Financial leadership built for the trades
Every deliverable is designed around how home services companies actually operate — trucks in the field, seasonal demand, technician performance, and job-level profitability.
🔍 Profitability Diagnostic
We map your margins by department, service type, and technician. Most contractors find 5–10 points of margin improvement in the first 90 days. You’ll see exactly where the gaps are and what closing them is worth in real dollars.
📊 Monthly Financial Review
A structured monthly meeting walking through your P&L by department, tracking variance against industry benchmarks, and identifying specific actions to take this month. Not a report that sits in your inbox — a working session that drives decisions.
📈 Cash Flow Forecasting
A rolling 13-week cash flow forecast calibrated to your trade’s seasonal patterns. Know exactly when cash gets tight, plan equipment purchases and hiring around real projections, and stop making growth decisions by checking your bank balance.
💰 Pricing & Job Costing
We connect your field management data to your financials so you can see true job-level profitability. Then we rebuild your pricing around actual costs — labor, materials, drive time, overhead allocation — not the flat rate card you copied three years ago.
🎯 KPI Dashboard
Revenue per technician, average ticket, gross margin by department, overhead as a percentage of revenue, close rate by lead source. The metrics that actually predict profitability in the trades, tracked monthly and benchmarked against top performers.
🚀 Exit & Growth Planning
Whether you’re building to sell in 2 years or planning to double in 5, we model the path. We build financial projections, identify the value drivers buyers care about, and help you build the kind of company that commands a premium multiple.
CFO services tailored to your specific trade
Every trade has different margin profiles, seasonal patterns, and operational benchmarks. We’ve built trade-specific expertise so we can speak your language from day one.
❄️ HVAC
Seasonal revenue swings, department-level P&Ls (install vs. service vs. maintenance), tech comp structures, and SEER-based equipment financing. Benchmark: 20%+ net margins for well-run shops.
💧 Plumbing
Emergency vs. scheduled service mix, drain cleaning profitability, excavation job costing, water heater replacement margins, and the financial impact of 24/7 dispatch. Steadier revenue curve than other trades.
⚡ Electrical
Panel upgrade economics, EV charger installation margins, commercial vs. residential mix, generator revenue spikes, and the licensing overhead that makes electrical different from every other trade.
🏠 Roofing
Storm and insurance work revenue cycles, subcontractor cost management, material cost as a percentage of revenue, longer sales cycles, and the cash flow challenges of large-ticket jobs with delayed payment.
We’ve been on the other side of the table
Most CFO firms learn your industry on your dime. We came from the buy side of home services M&A — we already know what drives value, what kills deals, and where the margin hides.
Buy-side M&A experience
We’ve reviewed over 200 home services acquisitions. We know what PE firms, strategic acquirers, and consolidators look for — and we’ve seen every financial red flag that tanks a deal. That perspective shapes everything we build for you.
ServiceTitan & QBO specialists
We pull data directly from ServiceTitan (or Housecall Pro, Jobber) and QuickBooks. No manual spreadsheets, no waiting for month-end. Your financial and operational data are connected in real time.
$5M–$30M revenue focus
We specialize in the messy middle — companies past startup but not yet big enough for a full-time CFO. You’ve outgrown your bookkeeper but can’t justify a $250K hire. That’s exactly where we fit.
Results in 90 days
We don’t spend three months “learning the business.” We’ve seen hundreds of companies like yours. Within the first month we’ll identify your biggest margin gaps, and within 90 days you’ll see measurable improvement in your financials.
Frequently asked questions
What’s the difference between a fractional CFO and a bookkeeper?
A bookkeeper records transactions and keeps your books accurate. A fractional CFO uses those books to tell you where your money is going, why your margins are what they are, and what to do about it. We do both — but the CFO layer is where the real value lives. Think of bookkeeping as the foundation and CFO work as the strategy built on top of it.
How much does a fractional CFO cost?
Our engagements typically range from $3,000–$7,000 per month depending on the scope. Compare that to a full-time CFO at $200K–$300K+ in salary and benefits. Most of our clients see ROI within the first 90 days through margin improvements that far exceed the monthly fee.
Do you work with companies outside of home services?
Yes. While home services is our deepest specialty, we also work with startups, SaaS companies, and other small to mid-sized businesses that need fractional financial leadership. Our growth advisory page covers our broader services.
What if I’m not sure whether I need a CFO or just better bookkeeping?
Book a free profitability review. We’ll look at your current financials and tell you honestly what you need. Sometimes the answer is better bookkeeping. Sometimes it’s CFO-level analysis. Often it’s both. Either way, you’ll walk away with a clear picture of where your margins stand.
Find out where your margins are hiding
Book a free 30-minute profitability review. We’ll look at your numbers and show you exactly where you’re leaving money on the table — no pitch, just data.