How many hours a month does a fractional CFO typically work?

Most engagements run between 8 and 20 hours a month depending on the complexity of your reporting and how many strategic projects are active, and the scope is agreed on upfront so there are no surprises. Hours can flex up temporarily during financing rounds, audits, or budget season.

Will a fractional CFO replace our existing bookkeeper?

No, a fractional CFO works on top of the bookkeeping function rather than replacing it, using the data your bookkeeper or controller produces as the foundation for forecasting and analysis. If your bookkeeping needs cleanup, we will identify that early since the CFO work depends on reasonably accurate underlying numbers.

Is fractional CFO service only for businesses that are struggling financially?

No, most of our fractional CFO clients are profitable and growing, and they bring us in specifically because growth is creating decisions that are too big to make on instinct. It is as much a growth tool as a turnaround tool.

Can a fractional CFO help us prepare for raising capital or getting a loan?

Yes, this is one of the most common reasons businesses engage a fractional CFO, since lenders and investors expect clean historical financials paired with a credible forecast. We build both and help present them directly to the lender or investor if needed.

CFO Services

Fractional CFO Services

A part-time CFO for HVAC, plumbing, and electrical shops who tells you what a third crew, another van, or a competitor's customer list will actually do to your cash, without a six-figure salary.

Built for HVAC, plumbing, electrical, and mechanical contractors running trucks, techs, and service agreements out of QuickBooks Online, ServiceTitan, and Housecall Pro.

Schedule Your Free Strategy Call (559) 203-3450

What sends contractors looking for this

We're deciding whether to add a crew with nothing but a gut feel

The phones have been busy for a couple of months and the owner starts thinking about a third install crew or a fifth van. Nobody runs the numbers on how many booked calls that crew needs each week to cover payroll, fuel, and the truck payment, or how many months it will take to get there. The decision gets made off how busy the summer felt, not off what the schedule actually shows.

A part-time CFO's job is to turn that gut feel into a model: current close rate, average ticket, and call volume from ServiceTitan or Housecall Pro run forward to show exactly when a new crew breaks even and what it costs the business to get there.

Adding a crew before the call volume supports it commonly costs a shop 20,000 to 30,000 dollars in unrecovered payroll and vehicle expense during the months it takes to ramp up, cash that has to be pulled from somewhere else in the business.

The owner wants to step out of the truck and doesn't know if the business can run without them

Many owners started as the lead tech and are still the one closing the biggest jobs, training new hires, and making every pricing call. Stepping back to run the business instead of a truck means someone has to know whether the numbers hold up without the owner personally driving revenue every day, and that answer doesn't exist in a P&L.

A fractional CFO builds the model that tests it: what happens to booked revenue and margin if the owner takes two days a week off the truck, what a general manager or lead tech needs to cost-justify, and what the business needs to look like on paper before that transition is safe to make.

Owners who step back without testing the numbers first often watch revenue drop 15 to 20 percent in the first year because the business was more dependent on them personally than anyone had measured, a shortfall that shows up in the bank account long before anyone diagnoses the cause.

How we fix each of those

01
Monthly meetings built around the decision in front of you
We meet with you monthly, pulling numbers straight from ServiceTitan or Housecall Pro and QuickBooks, to walk through cash position, crew utilization, and whatever hire, lease, or purchase you're weighing that month. You leave with a specific recommendation, not just a reporting package.
02
A break-even model before you add a crew, van, or manager
Before you commit to a new crew, a lead tech promotion, or stepping back from the truck yourself, we build a break-even model showing the booked call volume needed to cover the added cost and how many months it takes to get there, so the decision is made with numbers rather than a hunch.

Everything included

Monthly strategy meetings tied to your ServiceTitan or Housecall Pro numbers
13 week cash forecast and seasonal reserve planning
Break-even modeling for new crews, vans, and management hires
Fully burdened labor rate calculation by trade
Owner transition and succession planning support
Support for equipment loans and lines of credit
Direct phone and email access between meetings

Work that pairs with this

Cash Flow Forecasting

See the slow season coming three months before the bank account gets thin, so payroll and the truck payment are never a surprise.

View Cash Flow Forecasting

KPI Reporting

Close rate, average ticket, and cost per booked call by crew, pulled from ServiceTitan or Housecall Pro every month so you know how the business is really running.

View KPI Reporting

Lender and Investor Support

Financials that hold up when a bank underwrites your next van loan or a buyer starts digging into the business before you sell it.

View Lender and Investor Support

Contractors who have already done this

Real Google reviews from owners we work with, next to the engagements behind the numbers.

Google review
As a home services company, I feel that High Velocity Accounting has elevated our business to the next level. We are able to dig deeper into our numbers, report accurately and make adjustments where needed. They are very responsive, detail oriented and an extension of our team.
Cathleen Helin
Owner, Home Services
Clovis, CA
Case study
How a Construction Company Cleaned Up Two Years of Books and Financed New Equipment
Construction · $2.8M - $4.1M annual revenue
Books brought current
22 months
Equipment loan approved
$680,000
Read the full breakdown
Google review
I have been so genuinely pleased with High Velocity Accounting's services. I feel I have an extension of our team in Brett and his team. They always make time for my questions and look for strategic ways to build our businesses mutually. I rest easy knowing our books are kept in good order and our taxes are prepared professionally. I never hesitate to recommend this firm to any service business owners looking for professional book keeping and tax services.
Texas Medley
Owner, Service Contracting
Clovis, CA
Google review
We have been using High Velocity Accounting for a couple years now and are so thankful for their service! They are meticulous, thorough, dependable and always ready to deal with a curveball. Kind, patient, gracious. Thank you for your service and the relationship we've developed together.
Grant Schoenberger
Client, Trades
Clovis, CA
Google review
Brett Neal has been our family's accountant for over six years now, because he is the most dependable professional in this business. We started with Brett as two separate single-filers with simple W-2's and quickly graduated to a married couple having multiple types of complicated business/tax filings. Brett took every shift in stride; every transition has been carried out smoothly and without any hiccups. Trust that this is the guy for all your filing, bookkeeping, and financial consulting needs.
Alyssa Cotrina
Business Owner, Trades
Clovis, CA

Where we do this work

Our office is in Clovis and we work with home services contractors across the Central Valley and nationwide. Pick your city to see how fractional cfo works for shops in that market.

Not on the list? We run every engagement over QuickBooks Online, ServiceTitan, and Housecall Pro, so distance does not change the work. Call (559) 203-3450.

Talk to a CPA who will actually pick up the phone

Start with a 30-minute consultation at no cost. You will leave it knowing what the work involves, what it costs, and what happens next.