Important! Extended hours during tax season: Tuesdays, Thursdays, and Saturdays
In the general contracting industry, success is measured not just by the quality of the build, but by the precision of the budget and the reliability of the cash flow.
SMAART Company provides specialized construction finance consulting, operational support, and strategic advisory to help your contracting business navigate thin margins, complex project accounting, and demanding cash flow cycles, ensuring you can focus on building your projects, not just your back office.
Our team of experts helps you build a robust financial framework that protects your profitability on every job, optimizes your bidding process, and strengthens your company for long-term, sustainable growth.
Running a successful construction business requires a relentless focus on financial control. Without a sophisticated back office, even the most skilled contractors face significant risks that can jeopardize their business:
Thin Profit Margins & Inaccurate Bidding: Underestimating costs for labor, materials, or subcontractors at the bidding stage can completely erase the profit on a job, or even lead to a significant loss.
Complex Job Costing & Project Accounting: Tracking costs accurately against a budget in real-time is essential. Poor job costing means you don’t know if you’re making or losing money until it’s too late.
Difficult Cash Flow Management: The lag between paying for materials and labor and receiving payment from clients creates constant cash flow pressure, making it difficult to manage payroll and start new projects.
Subcontractor & Lien Waiver Management: The administrative burden of paying subcontractors, collecting lien waivers, and ensuring compliance is immense and carries significant legal and financial risk if mismanaged.
Managing Change Orders & Overruns: Scope changes and unexpected issues can lead to cost overruns. Without a rigorous process for documenting and billing for change orders, contractors often end up absorbing these costs.
SMAART Company helps you manage these high-stakes variables with a disciplined, finance-first approach to construction management.
We serve the full spectrum of general contracting businesses, including:
Residential Custom Home Builders & Remodelers managing unique client budgets, numerous subcontractors, and tight project timelines.
Commercial General Contractors overseeing large-scale projects like office buildings, retail centers, and industrial facilities with complex compliance and bonding requirements.
Government & Public Works Contractors navigating the complexities of prevailing wage laws, certified payroll, and stringent government contract requirements.
Subcontractors & Specialty Trades (e.g., HVAC, Electrical, Plumbing) who need to manage their cash flow, project billing, and relationships with multiple general contractors.
Real Estate Developers & Investors who act as their own general contractor and require robust financial oversight for their projects.
At SMAART Company, we understand that in construction, the back office is just as critical as the job site. Our dedicated focus means:
We Know Construction Finance: We are experts in WIP (Work-in-Progress) accounting, percentage-of-completion revenue recognition, and the financial models required to ensure project profitability.
We Speak Your Language: We provide financial support that understands the nuances of AIA billings, change orders, retainage, and the critical importance of timely lien waiver collection.
We Provide Independent Financial Oversight: We act as your trusted back office, providing the accurate, real-time job costing data you need to make critical decisions.
We Build Systems for Scalability: We help you implement financial and operational systems that can grow with your business, allowing you to take on more and larger projects profitably.
We Help with Bonding & Financing: Our clean, accurate financial statements are critical for securing the bonding and lines of credit you need to grow.
Construction & Job Cost Accounting: Real-time tracking of all project costs (labor, materials, subs) against your budget, supported by detailed Work-in-Progress (WIP) reporting.
Project Billing & Invoicing: Management of all project-related billing, including AIA-style progress billings, retainage tracking, and change order submissions.
Subcontractor Compliance & Payments: Complete management of subcontractor payments, W-9s, insurance certificates, and the collection of all necessary lien waivers.
Fractional CFO & Strategic Advisory: High-level financial guidance on bidding strategies, cash flow management, and planning for long-term business growth.
Payroll & HR for Construction: Management of complex construction payroll, including certified payroll reporting for government contracts.
Tax Planning & Compliance: Strategic tax advisory focused on the unique opportunities for contractors, including the percentage-of-completion method and domestic production deductions.
General contractors should be focused on managing job sites, delivering quality work, and building client relationships—not on chasing lien waivers or wrestling with complex project accounting. With SMAART Company as your partner, you gain the financial control and peace of mind to run your business with confidence.
Every contracting business has a unique set of challenges and goals. Let’s build a construction finance consulting plan that matches yours. Whether you need help with job costing, subcontractor management, or full back-office support—we’re ready to assist.
We implement rigorous, real-time job cost accounting. By tracking every dollar of labor, material, and subcontractor cost against your budget, our Work-in-Progress (WIP) reports will show you the exact profitability of every job at any time.
We help by streamlining your billing process to get invoices out faster, diligently tracking receivables, and providing accurate cash flow forecasts so you know exactly where you stand and can plan for future expenses.
A specialist understands the unique accounting methods like percentage-of-completion and the operational realities of the industry, from AIA billings to lien waivers. This expertise is critical for protecting your profits and ensuring compliance.
Yes. We handle the entire process, from paying your subcontractors to ensuring we have a signed lien waiver and up-to-date insurance certificate for every payment you make.
It begins with a detailed consultation to understand your current projects, your financial pain points, and your business goals. From there, we design a tailored service package to support your operations.
