Built for the Way
Contractors Work
You're managing project managers, subcontractors, draw schedules, and change orders — all while trying to understand if you're actually making money.
Most accountants understand debits and credits. We understand WIP schedules, AIA billing, and what happens when a subcontractor walks off a job in week eight.
What Keeps GCs Up at Night
These aren't generic accounting problems. They're construction-specific financial challenges that require someone who knows the industry.
WIP Accounting
Most bookkeepers don't understand Work-in-Progress schedules. We do — and we build them correctly from day one so your financials actually reflect where each project stands.
Cash Flow Gaps Between Draws
You're waiting on owner draws while payroll, materials, and subs are due now. We build 13-week cash flow forecasts that show exactly when the gaps are coming — so you can act before the crisis hits, not after.
AIA Billing & Draw Schedules
Slow or inaccurate billing directly delays your draws. We set up AIA G702/G703 processes so you invoice correctly, get paid faster, and keep lenders and owners confident in your reporting.
Subcontractor Compliance & COIs
Expired certificates of insurance, missing W-9s, lien waiver tracking, 1099 compliance — managing a roster of subs is its own full-time job. We build the systems that keep you protected and audit-ready.
Subcontractor Payment Timing
Pay subs too early and you're funding their operations. Pay too late and they walk. We help you structure payment terms and cash flow schedules that keep the job moving without straining your liquidity.
Job Costing & Profitability
Winning bids means nothing if you don't know which jobs made money. We implement job costing that shows you exactly where margin lives — by project, phase, and cost code.
Change Order Financial Impact
Change orders are revenue — but only if they're tracked, billed, and collected. We make sure every approved change order flows correctly through your books and doesn't disappear into overhead.
Bonding & Lender Readiness
Surety bonds and construction loans require clean, credible financials. We prepare your books to pass underwriting — because our founder has been on the other side of that desk.
What a Well-Run GC Looks Like
This is what we build toward — a financial infrastructure that gives you clarity, credibility, and control at every stage of a project.
WIP Schedule Updated Monthly
You know the over/under-billed position on every active project before your lender asks.
Cash Flow Visible 13 Weeks Out
Draw timing, sub payments, and payroll are mapped so you never get caught short between milestones.
Job Costing by Phase & Cost Code
You know which jobs made money and which didn't — before the next bid goes out.
Subcontractor Compliance Current
COIs, W-9s, lien waivers, and 1099s are tracked and current. No scrambling at year-end or during audits.
Financials Bank & Bond Ready
Your CPA-reviewed financials are presented the way lenders and surety companies want to see them.
Owner Has Real-Time Visibility
A monthly dashboard shows revenue, margin by project, and cash position — no more waiting for tax season to understand the year.
We Don't Just Read
Your Financials —
We Understand the Job
Construction finance is a specialty. The combination of project management experience, commercial lending background, and construction-specific accounting expertise is rare. We bring all three.
“Most accountants tell construction companies to find a specialist. We are the specialist.”
We Understand WIP
Work-in-Progress accounting is one of the most misunderstood areas in construction finance. Overstating or understating WIP distorts your financial picture and can trigger covenant violations with lenders. We build WIP schedules correctly and explain what they mean.
Project Management Runs in Our DNA
Our team brings deep project management experience from the oil and gas industry — one of the most operationally complex environments in the world. Scope control, cost tracking, schedule pressure, and stakeholder reporting translate directly to construction. We don't just read your financials; we understand the operations behind them.
Carrie Knows What Your Bank Needs
Our founder spent years in commercial lending — reviewing spreads, analyzing credits, and structuring SBA participation loans. When you need a construction loan or a line of credit, she knows exactly how to present your financials to get approved.
BuilderTrend Certified
We've done full BuilderTrend implementations and migrations — not just basic setup, but complete integrations with QuickBooks, job costing configuration, and team training. If you're moving to BuilderTrend or struggling with your current setup, we've been there.
What Are You Trying to Solve?
Not every GC has the same problem. We work with contractors at every stage — from first-year builders to $40M operators preparing for a sale.
Get the Books Right
You're doing real volume but your books are a mess — job costing doesn't exist, WIP has never been done, and you're not sure what you actually made last year. We start here: clean books, correct chart of accounts, and a WIP schedule that reflects reality.
Get Control of Cash Flow
You're profitable on paper but constantly short on cash. Draw timing, sub payments, and payroll don't line up. We build the 13-week cash flow forecast that shows you exactly when the gaps are coming — and gives you time to act.
Build for Growth or Exit
You've built something real and you want to scale it — or sell it. Either path requires financial systems that run without you in the loop, clean multi-entity structure, and financials that hold up to lender or buyer scrutiny.
Not sure which stage you're in? That's the most common answer we hear. Start with a Business Readiness Review — we'll tell you exactly where we'd focus first.
What We Do for Your Business
From daily bookkeeping to strategic CFO oversight — built around the way construction companies actually operate.
Controller Services
Monthly close, WIP reporting, job cost tracking
CFO Services
Cash flow forecasting, bonding strategy, growth planning
Bookkeeping
Construction-specific chart of accounts, subcontractor tracking
BuilderTrend Implementation
Full setup, data migration, QuickBooks integration
Job Costing Setup
Profitability by project, phase, and cost code
Bonding Readiness Review
Financials prepared for surety underwriting
Tax Planning
Entity structure, depreciation strategy, owner pay
Tax Preparation
1065, 1120-S, 1120 — complex entity returns
We Speak Your Software
From BuilderTrend full implementations to QuickBooks integrations — we work in the tools your team already uses, or help you find the right ones.
Don't see your software? We work with most construction platforms — ask us.
From Operational Chaos to Scalable Growth
A construction firm came to us managing job costing chaos, retainage tracking issues, WIP reporting gaps, and multi-entity complexity — all while the owner was buried in day-to-day operations.
We built the financial infrastructure from the ground up. The result: revenue scaled from $8M to $40M, and the owner reduced their direct involvement by 80% — because the systems finally ran without them.
What a Typical Engagement Looks Like
The following is a representative scenario based on the types of challenges we commonly address with general contractors. It is not a specific client case.
A commercial GC at $6–12M in revenue is winning more work but struggling to understand why cash is always tight. The owner is reviewing every invoice personally, job costing is done at year-end (if at all), and the WIP schedule hasn’t been touched since the last bank review.
The financials are technically accurate but not structured for bonding, bank financing, or owner decision-making. The business is growing — but the infrastructure isn’t keeping up.
What We've Done for Contractors
Real outcomes from real construction businesses — not projections.
General Contractor — $8M → $40M
Implemented WIP accounting, job costing by project, and a monthly controller review. Owner went from guessing cash position to closing a $12M commercial project with a bank line of credit.
SBA Financing — $7M Construction Firm
Cleaned up 3 years of books, built lender-ready financials, and modeled debt service coverage. Loan closed in 90 days. Owner used proceeds to purchase equipment and expand into a second market.
CFO Engagement — M&A Exit
Provided CFO-level support through a 14-month acquisition process. Built the financial model, managed due diligence, and coordinated with the buyer's accounting team. Deal closed at a 6× EBITDA multiple.
What Contractors Say
“We were running blind on job costs. 406 built us a WIP schedule and monthly P&L by project. I finally know which jobs are making money before they close.”
“They got us bank-ready in 60 days. Our previous CPA had never heard of a borrowing base certificate. 406 knew exactly what the lender needed and delivered it.”
Questions We Hear from Contractors
Do you work with contractors who use BuilderTrend?
What is WIP accounting and why does it matter?
Can you help us get bonded or qualify for a construction loan?
We're growing fast and our books are a mess. Where do we start?
Do you work with contractors outside of Montana?
Client Perspective
“Carrie is amazing. The analysis and the work she does is top tier.
Free Tool
Job Costing Calculator
Know your true cost per project — including labor burden, equipment, overhead allocation, and subcontractor markup. Built specifically for contractors.
Free Tool
Loan Qualification Calculator
Thinking about a construction loan, equipment line, or commercial real estate? See where your DSCR stands against bank (≥1.25x) and SBA (≥1.15x) thresholds — and exactly what NOI you need to get there.
Ready to Know Where Your
Money Is Going?
Get in Touch. We'll review your current setup and tell you exactly what we'd do differently — no obligation.
Serving contractors across Montana, Wyoming, the Dakotas, Mountain West, and Pacific Northwest.
Tools & Systems
Connect Your Job Costing to Your CRM
We implement Zoho CRM, automate AP workflows, and build dashboards that track job profitability, subcontractor costs, and cash position in real time — without manual data entry.