Fractional CFO · Construction Contractors

Financial clarity that drives predictable cash flow and durable margins

Most growing construction firms don't have a revenue problem. They have a financial visibility problem — and it costs them more than they realize.

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10+

Years in construction finance

$3M–$50M

Revenue range we serve

3-Phase

Structured engagement model

The Problem

Growth without visibility is a liability

You're winning work, managing crews, and keeping clients happy. But somewhere in the financials, margin is slipping and cash is tight — and you're not sure why until it's already too late.

You don't need a bigger accounting team. You need a financial partner who actually understands construction.

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Margin Drift Jobs look profitable at bid day but underperform at closeout. The gap compounds quietly — until it doesn't.
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Cash Flow Surprises Revenue is up but the bank account tells a different story. Timing mismatches create constant pressure.
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No Decision-Ready Data Your reports tell you what happened — not what to do next. You need forward-looking insight, not just history.

Who We Work With

Built for specialty trade contractors

We focus exclusively on construction — specifically the firms that build the infrastructure others depend on.

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Electrical

Commercial and industrial contractors navigating complex multi-phase billing and labor management.

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HVAC & Mechanical

Mechanical contractors balancing equipment procurement, long-cycle billing, and seasonal cash flow.

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Plumbing

Plumbing subcontractors managing cash flow across residential, commercial, and specialty scopes.

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Design-Build Firms

Design-build teams that need tighter alignment between project management and financial reporting.

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Specialty Trades

Any specialty subcontractor with $3M–$50M in revenue and a need for executive-level financial guidance.

Not sure if you're a fit?
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What We Do

CFO-level leadership — without the full-time cost

We embed with your team to deliver the financial visibility and strategic guidance that growing contractors need — and rarely have.

WIP Schedule Management

Accurate, timely work-in-progress reporting that reflects true job status — so you know where every project stands before surprises appear on the financials.

Cash Flow & Backlog Forecasting

Forward-looking cash models built around your contract pipeline, billing schedule, and payment cycles — so you're never caught off guard by a dry spell.

Margin Analysis & Profitability

Job-level profitability reporting that ties field performance to financial outcomes — identifying what's working, what's not, and exactly why.

Decision-Ready Reporting

Clean, executive-level financial packages designed for action — not just compliance. Monthly reporting you can actually use to run the business.

How It Works

From unclear to in control — in three phases

A structured engagement built to deliver clarity fast, without disrupting your operations.

Diagnose

We start by understanding your business — current reporting, job costing setup, billing practices, and where the financial blind spots are. You'll have a clear picture of your starting point within the first two weeks.

Stabilize

We build the foundation: WIP schedules, cash flow models, and a reliable monthly reporting cadence. This phase eliminates guesswork and creates data you can actually make decisions from.

Operate

With a stable foundation in place, we shift to ongoing strategic support — reviewing financials monthly, flagging risks early, and helping you make confident decisions as the business grows.

About

Seth Zimmerman

Fractional CFO · Aptura CFO

I've spent over a decade working inside construction finance — from job-level WIP accounting to enterprise-wide financial strategy. I know the patterns that cause growing contractors to stall: margin drift, cash timing problems, and reporting that's always a month behind reality.

Aptura CFO exists to give specialty trade contractors access to the same financial rigor that well-run larger firms have — without the overhead of a full-time hire.

My work is hands-on and practical, built around your business — not a generic advisory template.

678.230.4618 linkedin.com/in/sethazimmerman

Ready to stop guessing and start growing with confidence?

A 30-minute conversation is enough to know if we're a fit. No pitch deck. No pressure — just an honest conversation about your business.

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Free 30-minute discovery call · No obligation