CONSTRUCTION & ENGINEERING DESIGN
Finance that speaks construction: job costing, WIP, and cash flow, handled.
Bookkeeping, fractional CFO, and tax for contractors and builders. We know job costing, WIP schedules, progress billing, and retainage, so your numbers finally match how you actually make money.
For contractors, builders & specialty trades doing $2–10M
SOUND FAMILIAR?
Your P&L says you're profitable. Your bank account disagrees.
Generalist accountants treat a contractor like a coffee shop. Construction makes money differently, and your books should show it.
Which jobs actually made money?
Costs land in one big bucket: you can't see margin by project until the job's already done and it's too late to fix.
Cash is stuck in retainage
5–10% held back on every job, and no clear picture of how much is owed to you or when it's coming back.
WIP is a guessing game
Over- and under-billing, percentage-of-completion, surprise swings: your WIP schedule is a mystery until year-end.
BUILT FOR CONSTRUCTION & ENGINEERING DESIGN
Books that match how the work actually gets billed.
We set every contractor up around the job, so you see true cost and margin per project, in real time, and never get blindsided by a job that looked profitable on paper.
Job costing & real-time margin by job
Progress & AIA-style billing, retainage (AR & AP)
WIP & percentage-of-completion schedules
Monthly close by the 10th & tax planning for contractors
WHAT YOU GET
The finance function your jobs deserve.
Cost & margin
Job costing by project, real-time margin by job, plus committed-cost and change-order tracking.
Billing & cash
Progress and AIA-style billing, retainage on AR and AP, cash-flow forecasting by job, and draw-schedule support.
Reporting & tax
WIP and percentage-of-completion schedules, bonding and working-capital reports, monthly close by the 10th, and tax planning for contractors.
HOW IT WORKS
From messy job costs to clarity in 30 days.
Week 1
Diagnose
We review your books, job-cost setup, and open WIP, and show you exactly where margin is leaking.
Weeks 2–4
Set up
We rebuild your chart of accounts around the job, wire up WIP and retainage, and connect your project software.
Ongoing
Run
Monthly close by the 10th, live job-cost and cash reporting, and a CFO on call for bids, bonding, and big calls.
WHY A SPECIALIST
A generalist accountant vs a team that speaks construction.
Anyone can categorize your transactions. Very few can tell you which job is bleeding cash before it's finished.
A generalist accountant
✕ All job costs dumped in one bucket
✕ WIP ignored, or rebuilt once a year
✕ Retainage untracked, cash a mystery
✕ Surprised by a cash crunch mid-job
Thrive, built for construction
✓ Margin visible job by job, in real time
✓ WIP schedules done right, every month
✓ Retainage tracked on AR and AP
✓ Cash forecast across your whole pipeline
INTEGRATIONS
We connect with any accounting tool you use.
QuickBooks, Xero, NetSuite, Gusto, Dext, Ramp, and more. We work in your stack, not ours.
PRICING
From
$
/mo
One flat monthly fee: bookkeeping, job-cost reporting, and CFO guidance. No surprises.
✓ Job costing & WIP schedules
✓ Retainage & progress-billing support
✓ Monthly close by the 10th
✓ Cash-flow forecasting by job
✓ Month-to-month, cancel anytime
“
I've always been impressed by their team's professionalism, attention to detail, and deep expertise. Whether it's day-to-day oversight or strategic guidance, Thrive brings clarity and confidence to every decision.
LB
Liana Bertsch
Founder · Minerva Advisory Services
FAQ
