Fractional CFO for contractors in Utah.
You run the trucks. You bid the work. You hire the crews. You shouldn't also have to figure out which jobs are actually making money. We run finance for trades businesses from Salt Lake City to Provo so you stop guessing and start deciding.
Your bank balance looks fine. Your books say otherwise.
You finished a quarter that felt strong. The phone keeps ringing. Crews are billing hours. Then you sit down with your bookkeeper and the numbers don't line up with what you're feeling. You can't tell which jobs made you money and which ones bled you dry. You paid material invoices before the customer paid you. Payroll ran whether the receivables came in or not. You bought a truck six months ago and you still can't say if it's earning its keep. This is what happens when your books are built for tax filing instead of decision-making.
You can't tell which jobs are profitable
Your P&L shows a number for revenue and a number for costs. It doesn't tell you which crews, which service lines, or which customers are actually making you money.
Cash is always tight, even in good quarters
You bid the work, you bought the materials, you ran payroll. The customer pays in 45 days. The math works on paper but the bank account doesn't reflect it. Growth is starving you.
You're growing but not sure you're earning more
Revenue is up. The team is bigger. You feel like you're working harder. You don't have a confident answer to whether the business is actually more profitable than last year.
Your bookkeeper hands you reports you don't read
You get a P&L every month. It sits in your inbox. You don't read it because nobody walks you through what it means or what to do about it.
A fractional CFO does what a bookkeeper can't.
A bookkeeper records what happened last month. A fractional CFO tells you what to do about it next month. You get the strategic insight of a full-time finance leader without paying $200k a year for one. For a contractor doing $500k to $10M in revenue, that's the difference between flying blind and running a business that compounds.
Real job costing
Labor with burden, materials, sub costs, equipment allocation. You'll finally know which jobs make money, which crews are pulling their weight, and which service lines deserve your focus.
Cash flow you can see 90 days out
A forward-looking forecast that shows you when cash gets tight before it gets tight. So you make decisions on staffing, equipment, and bidding from a position of clarity instead of panic.
Pricing that wins profitable work
Your bids should reflect what the work actually costs you, including overhead and a margin you can live on. We help you stop competing on price and start competing on value.
Crew and truck profitability
Per-crew gross margin. Utilization rates. Equipment cost per job. The numbers that tell you whether to add a crew, fire one, or buy another truck.
Decisions before you commit
Hiring, financing, location, expansion, an offer to buy out a partner. We model the financial impact before you sign anything. So you stop making seven-figure decisions on gut feel.
Books that hold up
Clean, GAAP-quality books that a lender, an auditor, or a buyer will accept without rework. The financial foundation that lets you fund growth, survive an audit, or exit on your terms.
White-glove finance. You hand it off, we run it.
We don't sell you software and walk away. We don't hand you a dashboard and call it done. We embed in your business and do the work, so you can stop spending your nights and weekends trying to be a finance person.
Discovery call
30 minutes. You talk. We listen. By the end we'll tell you straight whether we can help you, what it would look like to work together, and roughly what it would cost. No pressure to decide on the call.
Onboarding (30 to 60 days)
We clean up the books. We build your job costing structure. We set up cash forecasting. We learn your business inside out so the work feels seamless from month one of the partnership.
Monthly partnership
You get closed books in five business days. You get a CFO call where we walk through what the numbers mean and what to do next. You get an outsider's read on every major financial decision before you commit.
If you run trucks and crews, we probably know your business.
Different trades have different financial mechanics. We've sat with most of them. The list below isn't exhaustive. If your business runs on trucks, crews, and jobs, the math we do for you will look similar.
Electricians
Residential service, commercial install, low-voltage. Project-billing complexity and material cost volatility.
Plumbers
Service plus install. Recurring maintenance contracts. Multi-truck dispatch and labor utilization.
HVAC
Install plus service. Seasonal cash flow. Equipment financing and bonus depreciation planning.
Roofers
Insurance work, project WIP accounting, supplier relationships, weather-driven scheduling.
Landscapers
Routes, seasonality, equipment cycles, snow removal cross-over. Recurring maintenance vs. install mix.
Framers
Sub work on tract builds, custom builds, labor margin and crew profitability. Lien waiver workflow.
General contractor subs
Painting, drywall, flooring, concrete, masonry. Bid-based work with thin margins that need to be defended.
Other trades
Pest control, cleaning, septic, fencing, fire and security. If you run trucks and crews, talk to us.
We work in your market.
Most accounting firms either treat every business the same or they're national chains that don't know the difference between a Lehi framer and a Salt Lake commercial electrician. We're based in Utah. We work with contractors from Salt Lake City to Provo, and with clients in Heber City, American Fork, Lehi, Orem, Sandy, Draper, and across Utah County.
We know what a typical project margin looks like for a roofer in Sandy versus a remodeling contractor in Park City. We understand the labor pool, the cost of materials at Sutherland's and Stock Building Supply, the rhythm of how Utah trades businesses bid, build, and get paid. Local context matters. Generic accounting advice doesn't survive contact with your business.
- Salt Lake City and West Valley
- Sandy, Draper, South Jordan, Riverton
- Lehi, American Fork, Pleasant Grove
- Orem, Provo, Spanish Fork
- Heber City, Park City, Midway
- St. George and southern Utah (remote)
- Ogden and northern Utah (remote)
- Anywhere in Utah we can serve well remotely
You're making the kind of calls a bookkeeper can't help with.
Hiring. Pricing. When to expand. When to walk away. You want a partner who has run a real business and made those calls before. That's what we are.
Enoch Sng, Partner
Before Black Lotus, Enoch owned and operated a $32M self-storage facility. Earlier, he spent years in real estate private equity, closing over $500M in transactions and asset-managing 1,000+ multifamily units. He leads the Utah practice from Alpine and works directly with contractors across Salt Lake and Utah County.
Abel, Partner
Abel has personally invested high seven figures across multifamily, manufactured housing, self-storage, and senior assisted living. He's bought in every major commercial real estate asset class. He leads the Dallas-Fort Worth practice and brings investor-grade financial rigor to every engagement.
What Utah contractors ask before signing on.
What size contractor do you typically work with?
We already have a bookkeeper. Do we still need you?
How is this different from hiring a full-time CFO?
Do you work with QuickBooks, ServiceTitan, Jobber, or Housecall Pro?
Can you do job costing if our current books are a mess?
What does engagement cost?
Do you handle our taxes?
We're in Salt Lake, Provo, or somewhere else in Utah. Do you work on-site or remote?
How fast can you get our books cleaned up?
What's the catch?
Ready to talk to a CFO who actually understands contractors?
30-minute call. No pitch. We'll tell you straight whether we're the right fit, or who is.