Financial Systems Built for Trade Contractors

Clear books, real job costing, and predictable cash flow for electricians, plumbers, HVAC companies, roofers, and specialty trades.

You’re running crews, managing jobs, and solving problems all day.

You shouldn’t have to spend nights trying to figure out where the money went

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If these moments sound familiar,

your financial system is broken

A big job finishes, the payment hits the bank… and you still don't know if you actually made money.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Payroll is tomorrow and you're staring at the account balance trying to make sure everything clears.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

You're bidding jobs based on instinct because you don't know your true labor and overhead costs.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Your accountant asks for numbers you don't have because the books are months behind.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

This isn't a work ethic problem.
Trade contractors work harder than almost anyone.

It's a financial visibility problem.

And without the right system, the numbers never tell you the truth.

That's where Summit CFOs comes in.

When your numbers are unclear, every decision becomes a risk

If you don't understand your cash flow, payroll weeks become stressful.
If your books are behind, tax season turns into a mess.
And if you can't clearly see where your money is going, growth starts creating chaos instead of freedom.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

The result?

✓ More revenue.

✓ More work.

✓ More stress.

But not necessarily more profit.

Trade contractors need more than bookkeeping. They need financial systems that help them run the business with confidence.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Financial Services for Trade Constractors

Bookkeeping & Accounting

Clean, accurate books are the foundation of every strong business. We handle transaction categorization, reconciliations, monthly closes, and financial reporting so your numbers stay organized and current.

No messy spreadsheets. No guessing where money went. Just clear financials you can trust.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Job Costing &

Profit Visibility

One of the biggest problems contractors face is not knowing which jobs are actually profitable.

We help structure your finances so you can properly track: Labor, Materials, Subcontractors, and Overhead.

This allows you to see which jobs, services, and crews are truly driving profit.

We create customized budgets and financial forecasts that align with seasonal trends, job timelines, and labor needs so you stay ahead of cash crunches.

Cash Flow

Management

Contractors rarely fail because of lack of revenue. They fail because cash flow becomes unpredictable.

We help you understand the timing of money coming in and money going out—so you can plan ahead instead of reacting to emergencies.

No more surprise payroll stress.

We help you track expenses, invoice timing, and payment cycles to avoid surprises, make payroll on time, and fund your growth without stress.

Budgeting &

Financial Planning

Growth requires planning.

We help create realistic financial plans that account for:

Hiring new crew members
Equipment purchases
Seasonal slowdowns
Expansion opportunities

You’ll know what your business can support before you make major decisions.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Fractional CFO

Advisory

For contractors who want to grow strategically.

Our CFO advisory services provide ongoing financial insight. We help you:

Improve margins
Understand key financial metrics
Make smarter pricing decisions

Instead of guessing, you’ll have a financial partner helping guide decisions.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

We help you track expenses, invoice timing, and payment cycles to avoid surprises, make payroll on time, and fund your growth without stress.

Who is this for?

This is for trade contractors who want control of their numbers.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

This service is ideal for contractors who:

✓ Are busy but unsure how profitable the business really is

✓ Want better job costing and pricing clarity

✓ Need organized financials for taxes, loans, or growth

✓ Are experiencing cash flow stress despite strong revenue

✓ Want a financial system that grows with the business

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

How it Works

Our Process

Clean Up and Organization

We start by cleaning up the books and setting up proper financial structure so your numbers are accurate. This includes correcting categories, reconciling accounts, and organizing financial data.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Reporting and Visibility

Once the foundation is in place, you'll receive consistent financial reports that clearly show: Revenue, Expenses, Profitability, and Financial health. You'll finally be able to see what's actually happening in your business.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Strategic Financial Guidance

For contractors who want deeper support, we help turn those numbers into actionable decisions. This includes pricing strategy, margin improvements, hiring decisions, and growth planning.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Financial Systems Built for Growing Businesses

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

No Hourly Billing

You’re Paying For Results; Not The Clock
Our pricing is clear and predictable so you always know what to expect.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Fast Communication

We respond to client requests within 24 hours.

When financial questions come up, you shouldn’t have to wait days for answers.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Book Your Free 30 Minute Discovery Call

Hear from others just like you...

Clay Winder

Multiple entities

"Melissa and the Summit CFOs team do bookkeeping for multiple businesses of mine. Having clarity on my P&L and Balance Sheet each month are the scoreboard I need to keep my business winning so I can spend my profits on things like hiking with the kids in World Class areas!"

Wes Buckwalter

Seamonster Studios

"Summit CFOs has provided exceptional support to our organization. Their team demonstrates a high level of professionalism, accuracy, and responsiveness—qualities that are critical when managing financial operations. From the initial onboarding to ongoing monthly reporting, every interaction has been efficient and detail-oriented, and on time. They deliver clear, organized financial statements and provide valuable insights that have improved our financial visibility and decision-making processes. I highly recommend Melissa and Summit CFOs to any business seeking a dependable and knowledgeable partner for bookkeeping and financial support."

Thomas Knowles

Gratitude Railroad LLC

"I have worked with Summit CFOs for ten years and it has been a great experience. Melissa is always responsive and solutions-oriented."

90-Day Moneyback Guarantee

If we don’t deliver the value we promise within the first 90 days, we’ll refund your monthly service fees.

No fine print.

Book Your Free 30 Minute Discovery Call

Frequently Asked Questions

Can you fix messy or outdated bookkeeping?

Yes. We frequently help contractors clean up past financial records and bring everything current.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Do you work with QuickBooks?

Yes. We commonly support QuickBooks systems and ensure they are structured correctly for reporting.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Can you help with job costing if we don't track it now?

Yes. Many contractors start without proper job costing systems. We help implement a process that works with your current operations.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Do I need CFO services or just bookkeeping?

Some contractors only need bookkeeping, while others benefit from ongoing advisory. We'll help determine the right level of support during your discovery call.

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Ready to get control of your numbers?

Book a free 30-minute discovery call. We'll look at where your financial system stands today, identify the biggest gaps, and show you what a clean, scalable financial system could look like for your business.

Book Your Free 30 Minute Discovery Call

From job costing to reconciliations, we give you clear, up-to-date numbers so you can make informed financial decisions and no more guessing.

Book Your Free 30 Minute Discovery Call

No Hourly Billing

You’re Paying For Results; Not The Clock

We know contractors hate surprises—especially on invoices. That’s why we don’t bill by the hour. You get clear, fixed pricing tied to outcomes, not time spent. Whether you need bookkeeping cleanup, cash flow support, or help understanding job costs, you’ll never get nickel-and-dimed for asking questions. You’ll always know exactly what you’re paying for—upfront.

Book Your Free 30 Minute Discovery Call

90-Day Moneyback Guarantee

If we don’t deliver the value we promise within the first 90 days, we’ll refund your monthly service fees.

No fine print.

Book Your Free 30 Minute Discovery Call

Fast, Reliable Support Responses Within 24 Hours

You won’t be left hanging. Most contractors have dealt with accountants who vanish for weeks and by the time they reply, the issue has already cost you time or money. We respond to all client support requests within 24 hours, so you get answers when you need them most. No chasing. No delays. Just dependable financial guidance when it matters.

Book Your Free 30 Minute Discovery Call

Meet the Owner, Melissa Horsley, CPA

Melissa Horsley, CPA, is the founder of Summit CFOs, a fractional CFO firm that helps construction business owners build profitable, scalable companies. With over 15 years of experience in accounting and financial strategy, she’s known for turning messy books into clear, actionable insights.

A licensed CPA with a degree in accounting, Melissa launched Summit CFOs after seeing too many hardworking business owners struggle to pay themselves or plan for sustainable growth.

Her mission is to provide the financial tools and guidance they need to run a business that works on and off the job site. While she specializes in construction, Melissa also brings deep experience across a variety of other industries. When she’s not guiding clients, you’ll find her exploring the mountains with her son and their dogs.