Clarity Drives Growth.
Fractional CFO & Controller Services

The financial leadership
your business already needs.

Finaro Consulting embeds CFO and controller-level expertise inside growing Small and Medium-sized businesses.

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Clarity
Confidence
Momentum
Growth
Clarity
Confidence
Momentum
Growth
Clarity
Confidence
Momentum
Growth
Clarity
Confidence
Momentum
Growth

Built for companies between a bookkeeper and a Big Four firm.

Most growing companies are over-served by expensive advisory firms and under-served by their internal accounting team. Finaro Consulting fills that gap — practical, embedded, and built for your stage.

01
Fractional CFO
Strategic financial leadership on a part-time basis. Cash flow oversight, lender relationships, and board-ready reporting — without a full-time salary.
Cash FlowLender RelationsBoard Reporting
02
Controller Services
Month-end close, revenue recognition, WIP tracking, and clean financials your CPA and bonding company can rely on.
Month-End CloseWIP ReportingRevenue Recognition
03
Financial Systems
ERP and accounting software selection, implementation, and cleanup. We build systems your team will actually use.
ERP SelectionQBO / SageWorkflow Design
04
Job Costing & Reporting
Project-level profitability, percentage-of-completion accounting, and the reporting infrastructure to know where you're making — and losing — money.
Job CostingPOC AccountingProfitability
Construction & Home Services
Primary Industry Focus
$1M – $50M
Typical Client Revenue Range
Embedded, not advisory
How We Engage

What our clients actually say.

★★★★★
"We finally understood our job margins. Finaro built us a WIP schedule that our bonding company accepted on the first submission."
Kevin M.
Owner, General Contractor — $8M Revenue
★★★★★
"Having a fractional CFO meant we could walk into our bank renewal with actual numbers, not just a feeling that we were doing okay."
Rachel T.
President, HVAC & Plumbing Co. — $14M Revenue
★★★★★
"Month-end used to take us three weeks. It now takes four days. That alone paid for the engagement."
David S.
CFO, Specialty Subcontractor — $22M Revenue

Ready for financials that actually work
for your business?

Let's talk about where your accounting function has gaps — and what it would look like to close them.

Schedule a Free Call
01
Fractional CFO
Cash FlowLender RelationsBoard ReportingForecasting

You need a CFO. You don't need a $200,000 salary. Finaro embeds at the strategic level — managing cash flow, owning the banking relationship, presenting to your board or ownership group, and translating your numbers into decisions.


Key Deliverables
13-week rolling cash flow model
Monthly executive financial package
Annual budget & forecast
Banking & lender relationship support
02
Controller Services
Month-End CloseWIP ReportingRevenue RecognitionASC 606

The controller function is where most growing companies break. We step in to own the close, clean up the chart of accounts, implement proper revenue recognition, and produce financials that your CPA, bonding company, and bank can rely on.


Key Deliverables
Structured monthly close process (target: 5 days)
WIP schedule & percentage-of-completion tracking
Accounts receivable & payable oversight
Year-end CPA package preparation
03
Financial Systems
ERP SelectionQBO / SageImplementationCleanup

Bad systems create bad data. We evaluate, select, and implement accounting and ERP platforms that fit your business — not the largest one a salesperson could sell you. We also clean up the messes left by prior systems or prior bookkeepers.


Key Deliverables
ERP / accounting software evaluation & recommendation
Chart of accounts design & cleanup
System implementation & staff training
Integration with time tracking & project management tools
04
Job Costing & Reporting
Job CostingPOC AccountingProfitabilityReporting

Most contractors know their top-line revenue but not their job-level margins. We build the costing infrastructure to show you exactly where you're making money — by project, crew, service line, or customer — and where you're not.


Key Deliverables
Job costing structure & coding setup
Monthly project profitability report
Percentage-of-completion revenue recognition
Overhead allocation methodology

From first call to clean books.

01
Discovery
We learn your business, your current systems, and where the financial function is breaking down.
02
Assessment
We document gaps, prioritize fixes, and scope the engagement around what matters most right now.
03
Engagement
We embed — attending closes, owning deliverables, and working directly with your team and CPA.
04
Ongoing
Monthly cadence, regular check-ins, and strategic input as your business grows and evolves.

Not sure which service fits your situation?

Let's Talk →
Founded in the field
"Most growing companies don't have a revenue problem. They have a visibility problem. You can't manage what you can't see."
25+
Years in Finance
50+
Clients Served
Nathan
Powers
Founder & Principal

Born from the inside
of the finance function.

Finaro Consulting was founded by Nathan Powers after spending years inside growing companies — watching the same gaps appear over and over. A bookkeeper who couldn't keep pace. Month-end close that dragged into week three. A bank renewal where the owner couldn't explain their own numbers.

Nathan built the firm he wished existed when he was on the inside. Embedded, practical, and built specifically for companies between $1M and $50M who need real financial leadership — not a consultant who shows up twice a year with a slide deck.

The focus is the construction and home services industry, where project accounting, bonding, and cash flow create a unique set of challenges that generalist firms routinely underestimate.

Practitioner First
Nathan has sat in the controller's chair. He works inside your systems, not above them.
Radical Clarity
No jargon. Every deliverable is built to enable a decision.
Embedded Partnership
Nathan attends your close, joins your owner calls, and acts as a true extension of your business.

How we show up for every client.

Practitioner First
We've sat in the controller's chair. We know what the day-to-day actually looks like — and we work inside your systems, not above them.
Radical Clarity
No jargon. Every deliverable — every number — is built to enable a decision, not to demonstrate expertise.
Right-Sized Advice
We scope engagements for your stage, not for maximum billing. A $5M contractor needs different things than a $50M one.
Embedded Partnership
We work alongside your team — attending your close, joining your owner calls, acting as a true extension of your business.
Honest Feedback
We tell clients what they need to hear. If the numbers are telling a hard story, we say so — and we help you respond to it.
Follow-Through
We don't hand off a report and disappear. We stay until the system is working, the team understands it, and the results hold.
Cash FlowApril 2, 2026
7 min read
Job Costing
March 10, 2026

The Five Numbers Every Contractor Should Know After Every Job

Estimated vs. actual labor, material variance, overhead absorption — these aren't accounting terms, they're profit signals.

5 min read
Systems
February 18, 2026

QuickBooks Is Not Enough (And When It Actually Is)

The honest answer to the software question most growing contractors are asking — and what to do when you've outgrown it.

6 min read
Reporting
January 22, 2026

What Your Bonding Company Actually Wants to See

Surety underwriters review your financials differently than your CPA does. Here's how to prepare before it's urgent.

5 min read
Tax & Year-End
December 5, 2025

The Owner's Year-End Checklist: 9 Things to Do Before December 31

From depreciation elections to owner draws, a practical list of decisions that affect your tax position before the window closes.

6 min read
Cash Flow
November 4, 2025

Building a 13-Week Cash Flow Forecast Your Bank Will Respect

The structure, assumptions, and update cadence that turns a cash forecast from a guessing exercise into a management tool.

8 min read
Job Costing
October 14, 2025

How to Set Up Percentage-of-Completion in QuickBooks Online

Step-by-step guidance on POC revenue recognition for contractors using QBO — without buying a new system.

9 min read

Whether you're trying to clean up your books, get ready for a bank renewal, or just want to know if your financial function is where it should be — we'd love to hear about your situation.

Location
Boise, ID  |  Seattle, WA
Serving clients across the Pacific Northwest and remotely nationwide
Email
nathan@finaroconsulting.com
Phone
(855) 608-3910
Response Time
Within one business day
Every inquiry is read and responded to personally.
Send a Message
All inquiries are confidential. We respond within one business day.
Message Received

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