CFO Leadership for Contractors

You did $5M last year. So why is the bank account always empty?

You’re running multiple crews and a full schedule, but the money never seems to be there when you need it. PMB tells you which jobs actually made money, what your cash will do over the next 60 days, and where it’s leaking. CFO-level financial leadership, built for contractors.

Like an annual checkup for your business. PMB looks at your numbers and tells you what we see. No charge, no pitch.
5.0 on Google
Melissa and Phil Beck, founders of PMB Accounting
Melissa & Phil Beck
Founders, PMB Accounting
The Proof

We’ve actually sat in the CFO seat for a construction company.

Most firms offering contractors “bookkeeping” have never run construction finances at scale. We have.

Melissa Beck, EA

Melissa Beck, EA

Chief Executive Officer
Enrolled Agent QuickBooks ProAdvisor

In the construction industry, Melissa started as the advisor and accountant and moved in-house as CFO, guiding the company from startup through the $50 million mark. She knows job costing, retainage, and draw schedules from the inside. QuickBooks ProAdvisor and Enrolled Agent, so she can stand between you and the IRS directly.

Phil Beck

Phil Beck

Chief Operating Officer · Co-Founder
2 decades in enterprise finance

Phil spent nearly two decades in enterprise finance and systems at a multi-billion-dollar company. He builds the systems that turn a pile of job costs into numbers you can steer by.

Together, that’s enterprise-grade financial leadership pointed straight at your jobs, your crews, and your cash flow.

PMB Financial Snapshot · sample
Financial Snapshot
Year to Date 2026 · January through May
Confidential
Prepared by PMB Accounting
Revenue
$287,500
+81.7%GOOD
vs 2025
Net Income
$22,480
-27.9%WATCH
vs 2025
Gross Margin
71.1%
+2.7ppGOOD
vs 2025
Cash on Hand
$64,200
+53.6%GOOD
vs 2025
Expense Breakdown · YTD
Labor / Payroll
$137,800 52%
Materials / Supplies
$58,200 22%
Subcontractors
$24,800 9%
Vehicle / Fuel
$16,400 6%
Office / Admin
$9,420 4%
Insurance
$9,200 3%
Other
$9,200 3%
What’s Working
Revenue grew 81.7% over last year, averaging $57,500 per month.
Gross margin improved from 68.4% to 71.1%.
Cash on hand grew 53.6% to $64,200.
What Needs Attention
Net income is down 28% despite higher revenue. Expenses are outpacing sales.
$3,200 in receivables are past due over 60 days and need follow up.
Subcontractor and materials costs rose as a share of revenue.

A sample of our Financial Snapshot. This is what “which jobs actually made money” looks like delivered.

5.0 on Google
Read our reviews on Google →
They don’t treat you like a number. If you’re looking for more than just a tax filer, a true partner in your business.
Holger Arnold · Google review
They go way out of their way to make sure we have everything we need to make the right decisions.
FJ Rotunda · Google review

We do this because Melissa watched an owner get blindsided, and decided no business owner should fly blind. Read our story →

What We Do

It starts with knowing what every job actually costs you.

Advisory · CFO Strategy
Forward-looking financial leadership.

Job-level profit visibility, cash-flow forecasting through your busy and slow seasons, bid and pricing guidance backed by real numbers, and a partner who helps you decide what to take on and what to walk away from.

The foundation beneath it
Clean, accurate books.

Built around job costing, so every job’s real cost is clear.

Payroll, subs, and retainage.

Handled right, with tax planned for all year, not a surprise at filing time.

Reporting you can actually read.

A plain-English snapshot of revenue, margin, and cash, with what’s working and what needs attention called out.

Because if the foundation is wrong, no decision built on top of it is safe.

The Job-Costing Guide

Not ready to talk yet? Start by finding out what your jobs really cost.

Most contractors are guessing at job costs and pricing the next bid off that guess. This free guide walks you through the numbers that tell you which jobs actually make money, so you can stop leaving profit on the table. No call required.

Where should we send your guide?

First name and email. No spam, ever.