CFO Logic, LLC
Hero background for Fractional CFO Services Built for Commercial Subs

Fractional CFO Services Built for Commercial Subs

CFO Logic provides senior-level financial leadership to commercial subcontractors. Clean books, real job-level margins, tight cash flow, and bonding-ready financials — at a fraction of a full-time CFO.

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Industry focus

Commercial Subcontractors

CFO-level support for commercial subcontractors who need clean books, job-level visibility, and stronger cash flow and bonding readiness, scaled to your business without a full-time finance leader.

Who We Serve

  • Small commercial subcontractors
  • Owner-operated businesses in the trades, including electrical, plumbing, HVAC, concrete, masonry, roofing, framing, and drywall
  • Businesses that have outgrown basic bookkeeping but don't have dedicated financial leadership
  • Contractors looking to improve bonding capacity, track job profitability, and get ahead of cash flow

The Problem We Solve

  • Cash flow gaps between invoicing and payment
  • No visibility into which jobs are actually profitable
  • Retainage sitting uncollected
  • Books not clean enough for bonding or credit lines
  • No forward-looking financial strategy

Our Services

  • Job Costing & WIP Schedule Management
  • Short Term Cash Flow Forecasting
  • Accounting & Bookkeeping
  • Bonding Readiness & Financial Clean Up
  • AIA Billing Oversight
  • Retainage Tracking

Why CFO Logic

  • Senior-level FP&A expertise without the full-time CFO price tag
  • We handle everything, from day-to-day accounting to long-term financial strategy
  • One partner for your entire financial operation

Fractional CFO Services

CFO Logic provides senior-level financial leadership to growing companies that need clarity, control, and strategic guidance, without the cost or commitment of a full-time CFO.

Our services are designed for founders, CEOs, and leadership teams who want better decisions driven by financial insight.

Core Offering

Core Offering

Fractional CFO Services

  • Cash flow forecasting and runway management
  • Budgeting, forecasting, and scenario modeling
  • KPI design and executive-level reporting
  • Margin, pricing, and cost structure analysis
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Capital & Stakeholder

Capital & Stakeholder

Bonding, Lending & GC Readiness

  • Financial packages for surety bonding and credit line applications
  • Books cleaned up and structured to meet bonding requirements
  • WIP schedules and job cost reporting for GC prequalification
  • Financial support during credit, bonding, or growth decisions
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Finance Function

Finance Function

Accounting and finance team structure, systems, and scalable operations.

  • Accounting and finance team structure design
  • Systems selection and implementation (accounting, reporting, BI)
  • Process improvement and internal controls
  • Scalable finance operations to support growth
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How We Engage

CFO-Led Oversight of the Finance Function

We oversee financial operations and reporting integrity while coordinating with internal teams or third-party accounting partners. Our role is to translate financial outputs into clear, actionable insight for leadership.

Engagement Structure

Engagement Structure

Flexible, Aligned to Your Business

  • Ongoing fractional CFO advisory
  • Interim CFO leadership during transitions
  • Project-based financial modeling or planning
  • Capital readiness and execution support
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Who This Is For

Who This Is For

Our services are a strong fit for:

  • Commercial subcontractors doing $1M–$10M in annual revenue
  • Owner-operated trades: electrical, plumbing, HVAC, concrete, masonry, roofing, framing, drywall
  • Subs that have outgrown a bookkeeper but are not ready for a full-time CFO
  • Contractors working to improve bonding capacity, job profitability, and cash flow
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Owner Advisory

Owner Advisory

Straight financial counsel for sub owners making real operational decisions.

  • Clear financial input on bidding, hiring, and equipment decisions
  • Guidance on credit lines, bonding capacity, and GC terms
  • Perspective on which jobs, GCs, and trades are building long-term value
  • A trusted finance partner outside the day-to-day
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Let's Get Eyes on Your Numbers

If you're running a commercial sub and you want clean books, real job margin, and a cash flow forecast you can trust, we should talk.

Schedule a ConsultationSpeak with a CFO