C-level financial leadership, without the C-level payroll.
Fractional and outsourced CFO services for trucking, construction, excavation, oil & gas and manufacturing companies. Cash forecasting, unit economics, capital strategy and a business built exit-grade from the first month.
What a fractional CFO does for a blue-collar business
A fractional CFO gives you experienced financial leadership part-time: cash forecasting, profitability by truck, crew or machine, capital structure and lender strategy, pricing discipline, and the reporting a bank or a buyer will trust. Blue Collar CFOs works with owner-operated companies in trucking, construction, excavation, oil & gas and manufacturing — industries where the margin is thin, the assets are heavy, and the owner is usually the only person who knows where the money actually goes.
The work, not the title.
Cash forecasting
A rolling thirteen-week cash view so you stop finding out about a shortfall on the Thursday before payroll. Built from the bank, not the P&L.
Unit economics
Profit per truck, per crew, per machine, per job, per customer. Most owners discover that a third of their revenue is losing money and the fix is a phone call, not a cost-cutting program.
Capital strategy
Working capital lines, ABL, factoring, equipment finance and lines of credit — sourced and explained in full, with the terms explained and no hidden broker spread.
Lender relationships
Reporting packages your bank trusts, covenant tracking before you breach, and someone who speaks credit-committee fluently sitting on your side of the table.
Pricing and margin
Cost-per-mile, cost-per-hour, burdened labor rates, bid discipline. Knowing your true cost is what lets you walk away from bad revenue.
Exit readiness
Books a buyer can diligence, concentration reduced, management depth built, owner-dependence removed. This is what a multiple is actually made of.
Every member of our team has operated the equipment and sat on the other side of the table.
Most firms sell you a partner and staff the work with someone two years out of school.
Judgment is the part you are hiring.
Straight answers.
What is a fractional CFO?
A fractional CFO is an experienced chief financial officer working with your company part-time, instead of as a full-time hire. You get the forecasting, capital strategy, lender relationships and unit-economics discipline of a CFO.
How is that different from my bookkeeper or CPA?
A bookkeeper records what already happened. A CPA files what already happened and tells you the tax consequence. A CFO decides what happens next: whether to buy the truck or lease it, which customers to fire, what the business is worth, how to finance growth without pledging your house, and what the bank will say before you ask them.
Which industries do you work in?
Trucking and logistics, construction, excavation, oil & gas services, manufacturing and specialty trades. We are deliberately narrow. Knowing what a healthy cost-per-mile looks like, or how a WIP schedule hides an over-billing, is not something a generalist picks up on your account.
Do you help with financing?
Yes. Working capital lines, asset-based lending, factoring, equipment finance and lines of credit — arranged properly, with the pricing and the terms explained to you in full. Our team came up on the lending side of these facilities — underwriting them, funding them and working them out — which means we know what a fair facility looks like and what a predatory one looks like.
Can you prepare us to sell the business?
That is much of the point. Everything we build is exit-grade from day one, because owner-dependence is the single biggest discount applied to a blue-collar company at sale. Clean books, customer concentration reduced, management depth, real reporting — those are what a buyer pays for, and they take years, not months.
Find out what your numbers are actually telling you.
Fifteen minutes, no pitch. Bring last month's P&L and your bank balance and we will show you something you did not know.