Home Services
Margin, job costing, and exit preparation for plumbers, electricians, roofers, and HVAC operators. Know what your jobs actually make before you bid the next one.
See how we helpBuilt for the business that is outgrowing its books.
Know what your numbers mean and what to do next. Bookkeeping and fractional CFO services for businesses doing $2M to $50M.
Request a discovery callFinancial partner for scaling businesses
Insight today, Strategy for tomorrow
Unit economics you can trust.
Margin by job, provider, product, or program, not a total on the P&L.
Included in package: ClarityCash to fund the growth.
A 13-week cash forecast, updated every week, so growth does not run you dry.
Included in package: ClarityThe warehouse, the second location, the bigger crew.
Run it through a forecast before you sign the lease or the offer letter.
Included in package: MomentumPricing that still holds at volume.
Labor burden and margin, worked out with real numbers.
Included in package: MomentumHiring ahead of revenue without running out.
A plan for the months between the hire and the payoff.
Included in package: MomentumA lender package that gets a yes.
Lender-ready reporting and covenant tracking.
Included in package: MomentumAcquisitions assistance when a competitor comes up for sale.
Diligence, valuation, and deal structure from someone who has sat on the deal side.
Included in package: TransactionSystems that survive doubling.
A chart of accounts and a monthly close built to scale with you.
Included in package: FoundationWe know your world
Five industries, learned from the inside.
Agriculture
Financial leadership and succession planning for farms and ranches. Cash flow through the cycle, cost of production per unit, and land transfer handled right.
See how we help
Medical & Dental
Overhead control, provider level margin, and straight answers on DSO offers for dental groups and medical practices.
See how we help
Family-Owned & Founder
For the business with the family name on the truck. Clean books, cash you can see, and a plan for who takes it over next, handled with the care a family business deserves.
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Nonprofits
Board packages the board can read, restricted funds tracked properly, and cash planned across the grant cycle. Calm at the finance committee meeting.
See how we helpWhich stage do you fall under?
Foundation
Books, clean and closed monthly.
- Monthly close and statements.
- Chart of accounts built for margin.
- Clean year-end package.
Clarity
Numbers you understand, cash you can see.
- 13-week cash forecast, updated weekly.
- One-page KPI report.
- Written CFO notes each month.
Momentum
Forecasting, pricing, growth decisions.
- Budget and forecast model.
- Pricing and channel return analysis.
- Quarterly planning.
Transaction
M&A, capital raise, ESOP, succession.
- Valuation and data room.
- Lender package and term sheet review.
- Succession or transition plan.
How it starts
1
Discovery call
You tell us what is going on. We tell you honestly whether we can help.
2
Agreement to work together
Scope, plan, and the monthly number in writing. You approve it before anything starts.
3
90 day onboarding plan
We start within days. Access, an on-site visit, the first clean close, and your first findings document inside 30 days.
From Insights
All insightsWhere dental practice overhead actually goes
Every dentist knows their overhead percentage, or thinks they do. The percentage is not the useful part. The breakdown is.
Read the insightJob costing is where contractor margin goes to die
A contractor doing three million a year can have a great year and a terrible one at the same time.
Read the insightThe 13-week cash flow forecast, and why most owners have never seen one
Ask most owners how cash looks and they will tell you the bank balance. Ask how it will look in ten weeks and they will guess.
Read the insightStart with an email.
Tell us what is going on with the numbers. We read every note and reply within one business day, usually with a couple of questions and a straight answer on whether we can help.
Write to us directly at office@lucentcfo.com, or call 405-445-3320.
