Less Stress. Better Cash Flow. Smarter Decisions.

Cash flow management, job costing, financial forecasting, accounting, CFO advisory and project management software optimization uniquely tailored for CONTRACTORS.

How We Help Construction Businesses

At Contractor Financial Services, we provide fractional CFO services and strategic financial solutions built specifically for construction contractors, specialty trades, and developers.

With over 47 years of combined experience in construction finance and operations, we understand the unique challenges you face like job costing, retainage, WIP tracking, cash timing, and we speak your language.

We solve the financial challenges that keep contractors up at night:

Cash flow management

Forecasting ahead, manage payment cycles, and stop scrambling to make payroll.

Job Cost Accuracy

Track labor, materials, and subs in real time so you know which jobs are profitable and which are bleeding margin.

Financial forecasting

Make confident decisions about hiring, equipment, and growth with data-driven projections.

Software optimization

Make confident decisions about hiring, equipment, and growth with data-driven projections.

Financial Solutions For Contractors

Strategic financial leadership without the full-time cost.

Monthly financial reviews and strategic guidance
Cash flow forecasting
Job-level profitability analysis
KPI tracking and performance metrics
Financial systems and process improvement
Year-end preparation and tax planning support

Clean Books. Accurate Reports. Financial Confidence.

Monthly bookkeeping and reconciliation
Job cost tracking and reporting
Accounts payable and receivable management
Month-end close process
Financial statement preparation
Historical cleanup and correction

Forecast cash needs, manage payment cycles, and build working capital reserves.

13-week rolling cash flow forecast
Cash flow analysis and planning
Working capital management
Payment cycle optimization
AR/AP management strategies

Start With a BUILD Financial Roadmap

Discovery Call

30 minute conversation about where your financials stand today, what's causing stress or confusion and next steps.

Lock It In

Sign contract, pay invoice and receive RFI packet -Request For Information.

Assessment

CFS performs a high level review focused on patterns, risks and priorities.

Review Meeting

60 minute call to walk through findings, insights and recommendations.

What Our Clients Say

We've been working with Contractor Financial Services for the past couple years and couldn't be more grateful for the support they've provided. From the very beginning, Angie played a key role in helping establish my business and build a solid accounting system from the ground up. Her expertise, attention to detail and genuine care for the success of my business have made all the difference. She's not just great at what she does, she's been a true partner in my growth. Highly recommend!

Working with Angie has been a game-changer for my company. Her financial leadership, strategic insight, and ability to navigate complex challenges significantly impacted our operations. I truly appreciate her dedication and would highly recommend her services.

Angie Huddleston at Contractor Financial Services has brought much-needed clarity, reporting, and financial discipline to our company during a period of rapid growth. Angie has a steady, practical approach and a talent for turning complex financial matters into clear guidance. She’s been a reliable, responsive partner to our leadership team, and her support has made us more confident in our decisions.

I loved watching the WIP bring to the surface new ways for us to evaluate our jobs and recognize profitability. I also was proud of the teamwork and flow- from sending out the report, to the project manager analyzing it, to the productive meeting and Angie explaining and navigating the issues.