The CFO for ContractorsFind out what it will take to clean up your contractor books.
For contractors and trades doing around $3M+ with a bond, a loan, an SBA application, a tax filing, or a major bid riding on their books. A free Contractor Books Cleanup Estimate — two short calls, and you leave knowing four things: whether your books actually need cleanup, how big the job is, what it means for your deadline, and what it costs to fix.
The exact project price comes after the books are reviewed and the scope is confirmed — an estimate built on a count you've seen, not a number pulled from the air. And if your books are fine, I'll tell you that and we're done.
Answer a few questions so I don't waste your time. Then you can see my calendar.
This is what you get
The estimate, exactly as it comes. This one is an example — the numbers are made up so you can see the format, not someone else's business.
BOOKS CLEANUP ESTIMATE
Prepared for: Northline Mechanical (example — not a real company)
⚠ THIS IS AN EXAMPLE — every number on this page is made up.
1 · What we looked at
You confirmed this list on our call. The price below is built on it.
2 · The verdict
Your books need real work before your bond application is credible. This is not a close call — the file cannot currently produce a balance sheet a surety would underwrite from.
3 · What's in there
47 items need fixing, in four groups: uncategorized or miscategorized (23) · personal and business mixed (11) · missing or unsupported (9) · structural (4).
One of them, so you know we actually looked:equipment loan payments booked entirely to expense for 19 months. The balance sheet shows $211,000 of debt already paid down, and the P&L carries roughly $63,000 of expense that was never an expense. That one item is why working capital reads wrong to a lender.
The other 46 are in the fix list — the first thing you receive if we work together.
4 · Your deadline
Bond application in 6 weeks. Cleanup for this scope takes 5 weeks. Achievable if we start inside 7 days. Not achievable if this sits for a month.
5 · What fixing it involves
- ✓ All 9 accounts reconciled through July 2026
- ✓ Personal and business separated; chart of accounts corrected
- ✓ Anything unprovable listed in writing, never buried
- ✓ A trial balance tied to your 2024 return, CPA items packaged separately
- ✓ A monthly reporting pack, a 13-week cash forecast, your bookkeeper trained
- ✓ A pricing card calibrated against jobs you've already finished
6 · The number
Priced from section 1 — the months, the accounts, the entity, the condition. Not from what we found.You get your exact number on the call, built on a count you've confirmed.
Something with a date riding on your books? A bond, a bank or SBA loan, a tax filing. The people in that room only see what your file prints out.
Several companies and no clean profit number for any one of them? Money moving between your own entities, coded as somebody's guess weeks later.
Slammed schedule and an account that still feels empty? Your reports can't tell you which jobs carry the shop and which ones bleed it.
How the estimate works
- A 30-minute call. You tell me what is blocked, and by when.
- If it makes sense, we open your accounting file together on screen, view-only. I change nothing. That look is what makes the estimate real instead of a guess.
- A second call: your estimate. Whether the books need real work, how big the job is, what it does to your deadline, and the price. If I'm not the right person for it, I'll say so.
Pulled from real files
$152,000/yr
of financing costs one contractor was paying that appeared nowhere in his books as a number he could see
$751,000
of revenue sitting in the wrong year — a “record year” that was partly an accounting artifact
18 months
of books rebuilt for one client — the full prior year plus six months of the current one
Adrian Rubio · CFO for contractors. Not a CPA, not a lender — I don't file returns and I don't sell loans.