CFO services for contractors who want more profit and healthier cash flow.
In 30 days, we build your financial system and give you the strategies to boost your profit and cash flow. Then we run it for you every month, so it actually sticks. We handle the data, the updates, and the reporting. Guaranteed, or your money back.
See what's really going on in your business, from revenue and profit down to cash flow.
Your Company▾
Home
▾
Financial performanceTTM August 2026 ▾
Cash and Margin
EBITDA$2.35M
FREE CASH FLOW$1.02M
EBITDAFree Cash Flow
$3.00M$2.00M$1.00M
20222023202420252026
Deeper Insights
Track the handful of metrics that actually move profit and cash, each one measured against the target you set, so you know what needs attention before it costs you.
Your Company▾
Financials
▾
Financial Hub
KPIs
KPIs
JanFebMarAprMayJunJulAugSepOctNovDec2026 ▾
Days Sales Outstanding (DSO)
51.8
Target 45.0▼ 6.8
16.2
▼ 4.2
58.6
▼ 6.6
21.4
▲ 2.6
Gross Margin
24.8%
Target 23.0%▲ 1.8%
11.4%
▲ 1.9%
19.3%
▲ 4.3%
$148.20
▲ $10.20
AI Assistance
Get instant answers specific to your company's numbers, with clear next steps. No more pulling reports, patching spreadsheets, or waiting on your accountant.
Your Company▾
Dashboard
Fin
Good afternoon, Jordan
Ask me about your financials
Cash Visibility
See a cash shortfall coming weeks before it lands. Your rolling 13-week forecast is built from real billings and payables, so you know exactly when to push an invoice or hold a payment.
See exactly who owes you, how long it has been sitting, and what carrying it costs. Aging, retention, and days outstanding by customer and by job, so your team knows which calls to make first.
Your Company▾
AR Analyzer
▾
AR Analyzer
▾▾▾▾
Total AR
$3,724,180
$3.04M open · $683K retention
Past due
$1,337,400
44.0% of open balance
Aging distribution$3,724,180
45.8%18.8%7.0%3.3%3.3%3.4%18.3%
Trend
$4M$2M$0
Jul '25SepNovJan '26MarMayJulSep
Accountability
Give every number an owner and a weekly check in. Your team sees what is on track and what is slipping before the month closes, so problems get fixed in the week they show up.
Your Company▾
Weekly Scorecard
▾
Owner / ResultStatusWK 359/6 to 9/12WK 369/13 to 9/19WK 379/20 to 9/26WK 389/27 to 10/3WK 3910/4 to 10/10NOWWK 4010/11 to 10/17
JMOn track181517191618
JMOn track11912101311
TRWatch$640K$472K$715K$358K$521K$486K
TROn track1,6201,6551,5801,6121,6481,601
DKOn track$9.2M$9.0M$9.5M$9.7M$10.1M$10.4M
ALOff track$1.02M$1.11M$1.19M$1.24M$1.31M$1.38M
Add key result
Choose Coltivar and Make More Money
Coltivar eliminates much of the manual work and spreadsheets in your financial operations so you can focus on what truly matters, increasing profit and cash flow.
25%
Higher Profits
With more robust pricing and estimating, and focus on the levers that have the biggest impact on the bottom line.
$500K
Improvement in Cash Flow
From better A/R and retention management, reductions in underbillings, and capital expenditure investments.
50%
Less Time on Accounting
Done-for-you reporting, forecasts, targets, KPIs and the complete tool set to have financial visibility in your business.
*Based on average results of clients after 12 months of working with Coltivar. Results vary.
Your whole financial system, built in 30 days.
Every contractor we work with wants the same three things: more profit, better cash flow, and a company that lasts. Coltivar builds the system around your contracting business and maintains it from there, whether or not you have a CFO today.
You already have a bookkeeper and a CPA. What you don't have is someone who turns those numbers into answers you can use. We take the financial and job data you already produce and build it into a clear picture of where you make money, where cash gets stuck, and what to fix first.
Built for you, not by you
We build it, we maintain it, and we walk you through it.
Financial performance
$14.2M
24.7%
$1.86M
Cash on hand$1.28M
Updated every month
Estimating
Stop bidding jobs in spreadsheets.
Pricing is the biggest lever you have on profit, and most contractors still pull it in a spreadsheet. The tools built to fix that are either too complicated or written by developers who have never bid a job. Ours works the way estimators actually price, and a bid flows straight into your pipeline, material lists, and schedule. What the field spends comes back, so the next bid is sharper.
Estimate Summary
On target
Materials$286.4K
Labor$412.0K
Subcontractors$164.2K
Break Even$862.6K
Price to Customer$1.11M
Gross Margin22.4%
Revenue per hour $186
Project Analytics
Know which jobs make money before closeout.
We give you visibility into project performance, from throughput to margin erosion. You run better project reviews and know exactly where to focus to keep cash flow and profit strong through the whole job.
+
Total value
$9.80M
Active$3.6M
Signed$2.6M
Verbal$1.9M
At risk$1.7M
Bid vs Actual
Cash Flow
See your cash 13 weeks out.
We build a rolling forecast from your real billing schedule, retention, and payables, and we update it every week. You know which weeks get tight, how tight they get, and what to move before it turns into a problem.
13-week cash forecastWk 8 tight
Low point · week 8$209.7K
Strategy
CFO services from a team that knows construction.
Our team knows construction deeply, from RFP to closeout. This specialization and expertise lets us quickly identify what is working and what is not, from estimating and pricing through execution and financial operations. You get a straight answer on what your numbers mean, backed by what we have seen work at other companies your size.
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Next sessionMonthly
Financial Strategy Review
6Tuesday, Sep 610:00 AM · 60 min
Tactics that actually work in construction
Accountability
Hold your team to the numbers.
Visibility and focus only matter if someone owns the result. We turn your numbers into targets everyone can understand, and put success measures in place so each person knows exactly where to focus to create the most value for the company.
One set of numbers
Numbers don't change anything. People do.
One System
Ditch the spreadsheets and streamline financial operations.
Too many companies waste hundreds, if not thousands, of hours pulling data into spreadsheets, updating budgets, and scrambling to meet deadlines, while neglecting the things that actually improve profit and cash flow. At Coltivar we cut through the noise and pinpoint exactly where to focus, because we eat, breathe, and live construction.
Budget_v7_FINAL.xlsxABCD1412,000398,4#REF!1.042286,400291,04,6000.983164,200158,95,3001.03464,20071,40#N/A0.905926,800919,7Copy of Cashflow (2).xlsxABCD1Wk 6208,12Wk 7142,93Wk 8-31,4!!4Wk 996,205Wk 10204,8JobCosts_2024_v3.xlsxABCD1Riverside0.2240.1832Mercy0.3110.2983Depot0.1800.1414Pkwy0.2650.271WIP_Schedule_OLD_DONOTUSE.xlsxABCD19,802,07,4410.759VALUE!23,600,02,9800.82732,640,01,1020.41741,900,01,8810.99051,662,0478,20.287Estimate_rev12 USE THIS.xlsxABCD1Labor412,0448,12Mat286,4269,33Subs164,2145,04Equip64,2046,105TOTAL926,8908,5
Put in a few numbers and see how your profit and cash compare to the best contractors in your trade.
What type of contractor are you?
How profitable are you?
Revenue
Top line of your income statement for your most recent full year.
$
Gross profit
Revenue minus job costs: materials, field labor, equipment, and subcontractors.
%
Operating profit before tax (EBIT)
Gross profit minus overhead, before interest, other income, and income taxes.
%
Cash in the bank today optional
$
Profit gap per year$0
What you earn Left on the table
What would best in class be worth?
Free
0out of 100
Disclaimer and methodology
Operating Profit, also referred to as EBIT (Earnings Before Interest and Taxes), is a measure of a company's profitability from operations, before accounting for interest expenses or taxes. It reflects the margin remaining after all direct and indirect operating costs are subtracted from revenue.
The benchmark operating profit ranges presented on this page are provided for informational purposes only and represent generalized performance data across various construction industry segments. These benchmarks are derived from Coltivar Group LLC's proprietary database of private companies, including aggregated data from financial reviews, client engagements, and industry research. Data has been anonymized and generalized to preserve the confidentiality of our clients.
Actual profitability can vary significantly based on factors such as company size and growth stage, geographic location and labor market, competitive environment, management capability and operational structure, and market conditions and project mix.
This information is intended to help business owners understand how their company compares to average performance in their trade, but it is not financial advice and should be used at your own discretion and risk.
What our clients say.
Working with Coltivar has been a game-changer for us. Their expertise has helped us pinpoint where to focus in both strategy and finance, improving our bottom line and driving better performance.
Matt Reilly
We have been working with the Coltivar Group over the past 5 years on developing financial analytics to guide our strategic decision making through a dramatic growth cycle.
Joe Ostrand
Their financial expertise has guided our strategy and daily operations, always providing personalized support. They are fully invested in our success, and I can always reach out for advice.
Steven Ginsburg
I also like that he focuses so much on getting your team involved, not just working with the owners. He has something for everyone within your company.
Mike Moore
What really stands out is their genuine care and personalized approach, guiding us with effective tools and systems to improve our financial health and streamline operations.
Raleigh Gallina
I highly recommend this for companies looking to improve profitability, morale, or accountability.
Cindy DeLoach
After 40 years in financial and consulting work, seldom have I encountered a company who is true to their values and promises.
Robin Allen
Coltivar Group has played an instrumental part in setting up key business processes and continues to help it run smoothly.
Mike Jenner
Steve took us on a high-level journey that explained both the big picture and micro picture to understand financials in a meaningful way.
Joe Trease
Steve led our organization to successfully redirect its path and become a more productive, effective company.
We provide CFO services for construction companies. We build the financial system behind your business, we run it for you, and we sit down with you regularly to work through what the numbers are telling you. You get visibility into where you make money, focus on the few things that move it, and accountability so the work actually happens.
It's the software side of what we do. Clean financials, KPIs, rolling forecasts, cash flow, job and pipeline visibility, all in one place, plus an AI assistant trained on your numbers. You don't build it or maintain it. We manage the data going in, so what you see is accurate and worth acting on.
Construction companies and specialty trade contractors, usually doing $5M to $50M in revenue. The system also works for larger organizations with multiple entities and profit centers that need one consolidated view across all of them.
We're not a dashboard and we're not a staffing firm that puts a fractional CFO on your calendar. We build the financial system, we run it, and we work with you on what to do next. Our team has run finance inside construction companies, so you get people who understand WIP, retention, and job costing without having to explain any of it.
No. We work alongside them. Your bookkeeper keeps the books and your CPA handles taxes. If you already have a CFO or a controller, we take the reporting and forecasting work off their plate so they can spend their time on cash, margin, and performance instead of building spreadsheets. If you don't have a CFO, you get that level of thinking without the six figure hire.
Yes. We connect to Sage, QuickBooks, Buildertrend, Viewpoint, CMiC, and Procore, among others. If you run something else, we build the connection as part of setup. Your team keeps working exactly the way they work today. Nobody on your side is exporting spreadsheets or re-keying data.
That's normal and it's where we start. Cleaning up and structuring your financials is part of onboarding, so you don't need perfect data to begin. Messy books are usually where we find the most hidden cash.
About 30 days. We connect your data, clean up what needs cleaning, and build the system around how your business actually runs. At the end of it you're looking at accurate numbers you can make decisions from. You're not waiting a year for an implementation, and your team isn't doing the work.
You'll have clear numbers and a clear list of what to fix in the first month. Across our clients, the average is a $500K improvement in cash flow and 25% higher profits after 12 months. How fast that shows up for you depends on execution. We'll show you where the money is and what to do about it, and the companies that act on it capture the most.
Very little. We build it, we maintain it, and we walk you through it. Your team helps us get access to the data at the start and then goes back to their jobs. Nobody on your side becomes the reporting person.
Yes. Everything is encrypted and your data is never sold or shared. Inside the platform you control roles and permissions, so you decide who on your team sees what, right down to the most sensitive numbers in the business.
Book a discovery call. We'll walk through your business, show you what the system would look like built around your numbers, and tell you what we'd fix first. If it's a fit, we go from there.
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