Financial leadership built for Alberta construction
From compiled financial statements to fractional CFO services — we give construction business owners the financial clarity and strategic insight they need to make better decisions, protect cashflow, and build lasting value.
Every service we offer is designed specifically for the construction industry. We understand job costing, holdbacks, WIP schedules, bonding requirements, and the seasonal cashflow patterns that make construction finance different from every other sector.
Compiled financial statements
As Chartered Professional Accountants, we prepare compiled financial statements under the Canadian Accounting Standard for Compilation.
For Alberta contractors, compiled financials are not just a compliance requirement. They are the document your bonding company, your bank, and your surety underwriters rely on when they decide whether to back you. A well-prepared set of construction-specific compiled statements, prepared by a CPA who understands your business, can open doors to contracts and financing that generic bookkeeping never could.
What our compiled statements include
- Compliant compilation report with CPA signature
- Construction-specific chart of accounts and financial statement presentation
- Job cost schedule and work-in-progress (WIP) summary
- Holdback receivable and holdback payable schedules
- Notes to financial statements including basis of accounting disclosure
- Year-end package formatted for bonding underwriters and lenders
- Alberta Builder’s Lien Act compliance review
Who this is for
Any Alberta contractor who needs CPA-prepared financial statements for bonding applications, equipment financing, operating line renewals, or annual tax purposes. Compiled statements are typically prepared annually, with pricing starting at $2,500 depending on the size and complexity of your operations.
SERVICE TIERS
BUILD™ Foundation
For contractors who need reliable, construction-specific financial records
Ideal for: Smaller contractors ($500K–$2M revenue) establishing a reliable financial foundation
✓ Compiled financial statements
✓ Construction chart of accounts setup
✓ Job costing structure and coding
✓ Monthly bank reconciliations
✓ GST / HST reporting
✓ Payroll management
✓ Month-end close
✓ Holdback schedule maintenance
✓ Year-end package for bonding and tax
✓ Email support
BUILD™ Growth
For growing contractors who need visibility, control, and a monthly strategic sounding board
Ideal for: Contractors ($2M–$5M revenue) who have outgrown basic bookkeeping and need proactive financial guidance
✓ Everything in Foundation
✓ Monthly 60-min advisory session
✓ 13-week cash flow monitoring
✓ Job costing review and variance analysis
✓ Monthly management reports
✓ KPI dashboard (job margin, AR aging, cash)
✓ Budget vs actual variance review
✓ Quarterly strategy meeting
✓ Monthly sector sentiment briefing
BUILD™ Fractional CFO
For established contractors who need strategic financial leadership without a full-time CFO
Ideal for: Contractors ($5M–$15M revenue) making significant capital or growth decisions who need a senior finance partner
✓ Everything in Growth
✓ Annual budget build and maintenance
✓ Cash flow forecasting model
✓ Financial modelling and scenario planning
✓ Bonding and surety package preparation
✓ Lender and bank relationship support
✓ Capital planning
✓ Pricing analysis and profit improvement
✓ Pricing analysis and profit improvement
✓ Executive reporting package
BUILD™ Executive
Premium fractional CFO program for contractors building lasting enterprise value
Ideal for: Contractors ($15M+ revenue) focused on long-term value creation, succession, or strategic growth
✓ Everything in Fractional CFO
✓ Monthly executive meeting
✓ Strategic planning facilitation
✓ Succession and ownership transition planning
✓ Business valuation guidance
✓ Acquisition support and due diligence
✓ Exit planning
✓ Board reporting
✓ Financing strategy
✓ Bank covenant monitoring
One-time engagements
In addition to ongoing service tiers, we offer stand-alone engagements for specific needs. These can be engaged independently or as add-ons to any service tier.
Bonding and surety package — $2,000–$3,500
Compiled financial statements formatted specifically for surety underwriters, including WIP schedules, backlog analysis, and the supporting documentation bonding companies require. The right package can unlock contracts worth many times our fee.
Lender financing package — $1,500–$2,500
CPA-prepared financial statements and cash flow projections for equipment financing, operating line applications, or construction loan draws. Banks and credit unions require CPA-prepared financials for most commercial lending decisions.
Annual budget build — $1,200–$2,000
A structured annual budget with project revenue targets, overhead allocation, labour cost modelling, and a monthly variance tracking template. Prepared in Q4 for the coming year so you begin January with a detailed financial plan.
Cash flow model — $1,000–$1,800
A 13-week rolling cash flow model calibrated to your project billing cycles, holdback release timing, and Alberta construction seasonal patterns. Delivered as a working model you can update monthly.Not sure which tier is right for you?
Book a BUILD™ Strategy Session — a free 30-minute conversation where we look at your current financial setup, identify the gaps that are costing you money or visibility, and recommend the right starting point for your business.
FAQ
What does the monthly advisory session cover?
Each monthly session is structured around your current financial position and the decisions you are facing. We review your management reports, cash flow position, job margins, and any variance from your budget. We also share the monthly Alberta construction sector sentiment briefing — our data-driven read on what is happening in the Alberta construction market and what it means for your business specifically. Sessions are 60 minutes and delivered virtually.
What is a fractional CFO and do I need one?
A fractional CFO provides senior financial leadership to your business on a part-time basis — the strategic thinking, financial modelling, and executive-level insight of a Chief Financial Officer, without the cost of a full-time hire. Most construction businesses between $5M and $15M in revenue have outgrown basic accounting but cannot yet justify a full-time CFO. Our Fractional CFO tier fills that gap: budget ownership, lender relationships, bonding strategy, capital planning, and quarterly business planning, all delivered by a CPA with an MBA and project accounting experience in large organisations.
What is the Alberta construction sector sentiment briefing?
Each month we publish a briefing on Alberta construction market conditions, drawing on housing start data, permit volumes, materials pricing trends, and trade publication analysis. The briefing gives you a forward-looking read on whether the market is expanding or contracting — and translates that into specific implications for your hiring, pricing, and cash flow decisions. This briefing is included with all Growth, Fractional CFO, and Executive tier engagements.
Can you help with cash flow problems?
Yes. Cash flow is the most common and most critical financial challenge in construction, because project-based revenue is inherently uneven — you do the work, then you invoice, then you wait for payment, and then you wait again for holdback release. We build 13-week rolling cash flow models calibrated to your specific billing cycles and holdback timing, so you can see problems coming weeks before they arrive and proactively take steps that minimize, or better still eliminate any associated risk.