MAINCFO

MAINCFO

Fractional CFO for construction: DEVELOPERS, BUILDERS AND THE TRADES.$3M -$25M

Projects are profitable on paper, but not in your wallet.

Make money through the life of the project, not at the end.

Get your Financial Diagnosis

A CFO with 20+ experience in your industry will walk through your results.
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WHAT WE HEAR

WHAT WE HEAR

You book the job. Then you fund it.

You book the job. Then you fund it.

You win the contract on Monday and find out by Friday that payroll, materials, and the sub-deposit have to come out of last quarter's cash.

The bank says you're not "ready" because the books mix three projects in one general ledger. The factoring company is happy to step in at 14%.
By the time the retainage clears, the profit is in someone else's account.

If that's the cycle you're in, this is the page for you.
You win the contract on Monday and find out by Friday that payroll, materials, and the sub-deposit have to come out of last quarter's cash.

The bank says you're not "ready" because the books mix three projects in one general ledger. The factoring company is happy to step in at 14%.
By the time the retainage clears, the profit is in someone else's account.

If that's the cycle you're in, this is the page for you.

In 90 days

A strategic CFO on your side changes what's possible.

01. Cash visibility. Know your cash position 30 days, 60 days and 90 days out.

02. Every project has a P&L. Every job makes money on paper and in your bank.

03. Capital access.

The right financing at the right time, for the right projects.

04. Lines of credit Owner pay. Owner's draws, equipment financing, and project loans structured to work for you.

Our work starts with what you want,

for your business and your life.

In 90 days

A strategic CFO on your side changes what's possible.

01 Cash visibility.

No more guesswork. Know your cash position 30 days, 60 days and 90 days out.

02 Every project has a P&L.

Every job makes money on paper and in your bank account.

04 Lines of credit.

Owner pay. Owner's draws, equipment financing, and project loans structured to work for you.

03 Capital access.

Have the right financing at the right time, for the right projects.

Our work starts with what you want, for your business and your life.

about maincfo

1:5 clients per CFO. Not 1:20.
Focused, not fractional.

1:5 clients per CFO. Not 1:20.
Focused, not fractional.

MainCFO was built for owner-led businesses that have outgrown their bookkeeper but aren't ready for a full-time CFO.


We saw too many founders paying fractional CFO firms for advice that didn't show up:


  • diluted attention

  • junior staff

  • slow turnaround.


So we built it differently. Senior CFOs only. One or two clients each. Backed by analysts and AI tooling so the CFO's full attention stays on your business.

MainCFO was built for owner-led businesses that have outgrown their bookkeeper but aren't ready for a full-time CFO.


We saw too many founders paying fractional CFO firms for advice that didn't show up:


  • diluted attention

  • junior staff

  • slow turnaround


So we built it differently. Senior CFOs only. One or two clients each. Backed by analysts and AI tooling so the CFO's full attention stays on your business.

HOW IT WORKS

Three steps to your CFO.

01 diagnostic call.
30-minute call with a senior CFO. We assess 12 areas of your finances and tell you where you stand.
02 Proposal.
If we're a fit, you get a scoped 90-day plan with priorities, deliverables, and the right CFO for your business.
03 CFO engaged.
Week-one visibility. Know what's coming in the next 30,60 and 90 days

Talk with your CFO today

HOW IT WORKS

Three steps to your CFO.

01 diagnostic call.
30-minute call with a senior CFO. We assess 12 areas of your finances and tell you where you stand.
02 Proposal
If we're a fit, you get a scoped 90-day plan with priorities, deliverables, and the right CFO for your business.
03 CFO engaged.
Week-one visibility. Know what's coming in the next 30,60 and 90 days

Talk with your CFO today

$14M specialty contractor
$14M specialty contractor

$66k saved within 60 days

$66k saved within 60 days

The problem

Funding payroll through invoice factoring by 14%.

A $14M specialty contractor was funding their working-capital needs through invoice factoring at an effective rate of 14%.

The work.

MainCFO rebuilt the financial, clean P&L, project-level economics, debt-service coverage and walked them into three banks.

MainCFO rebuilt the financial, clean P&L, project-level economics, debt-service coverage and walked them into three banks.

The result

A $1.2M institutional line of credit at 8.5%. Saved $66,000 a year. The engagement fee paid for itself by month four.

Within 60 days, a $1.2M institutional line of credit closed at 8.5%. On $1M of average outstanding balance, the spread saves the company roughly $66,000 a year. The engagement fee was paid by month four.

combined career track record across our cfo team

Senior CFOs from PwC and Deloitte finance teams, now working exclusively with $3M–$25M businesses.

$10B+

in business valuations

$900M+

in capital raised

$1B+

in M&A transactions

20+yrs

AVG. CFO EXPERIENCE

Senior CFOs from PwC and Deloitte finance teams, now working exclusively with $3M–$25M businesses.

combined career track record across our cfo team

$10B+

in business valuations

$900M+

in capital raised

$1B+

in M&A transactions

20+yrs

Avg. CFO Experience

Common questions.

Common questions.

What exactly do you do that my bookkeeper and CPA don't?

How is this different from hiring a full-time CFO?

We tried fractional CFO before. It didn't work. Why is this different?

We're preparing to sell. How do you help?

We're thinking about selling in 2-3 years. Does this help?

If you are serious about growing your business, it's time to professionalize your finances.

If you are serious about growing your business,

it’s time to professionalize your finances.

Talk with your CFO today

© 2026 MainCFO. All rights reserved.

MAINCFO

contact@maincfo.com · +1 ‪(323) 521-9113‬
1621 Central Ave, Cheyenne, WY 82001

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WHAT WE HEAR

Profitable on paper. Tight in the bank. No one can tell you why.

Every decision is a guess dressed up as a strategy.

Your bookkeeper closes the month and the P&L looks fine. But cash is short, your line of credit is climbing, and you can't say what specifically would change if you raised prices, fired a client, or hired one more person.

Most founders running $3M to $25M don't need another spreadsheet. They need a CFO who finds the gap between the P&L and reality, and tells them which three numbers actually matter.