THE CONSTRUCTION FINANCIAL OPERATING SYSTEM
8 Steps
60 Days
The financial operating system for commercial subcontractors from under $1M to $100M. Built from 1,008 published data points and the projects behind them.
WHAT THIS IS
CONTROL is a 8 step system for running a commercial subcontracting business on numbers you can see. Each step fixes one specific breakdown, from job cost structure through to the monthly cadence. They work in sequence, and most owners install all eight inside 60 days.
THE 8 STEPS
The system, in order
CFOS-01 · CHAPTER 1
Job cost structure
Seven cost categories and three levels of granularity, built so the estimate and the ledger use the same words.
CFOS-02 · CHAPTER 2
Equipment cost basis
A true internal rate per machine covering ownership, maintenance, fuel, and transport, charged to the projects that used it.
CFOS-03 · CHAPTER 3
Overhead calculation
What indirect cost really comes to at your size, and the rate your estimating template should be carrying.
CFOS-04 · CHAPTER 4
Estimating system
The estimate maps one to one onto the job cost codes, so variance means something the day it appears.
CFOS-05 · CHAPTER 5
Software and bookkeeping alignment
Live job costs inside thirty seconds, with the bookkeeping cadence that keeps them true.
CFOS-06 · CHAPTER 6
Project management
Billing dates, change orders, and notices, run as standards that hold without anyone chasing them.
CFOS-07 · CHAPTER 7
Monthly cadence
Weekly bookkeeping, cost to complete, and one CEO report, on the same days every month.
CFOS-08 · CHAPTER 8
Standards and accountability
Five hours a month of owner time, spent ahead of the work.
PUBLISHED BENCHMARKS
What good looks like at your size
48 trades, 7 revenue bands, 3 metrics. Pick your trade and put in your revenue, and every percentage shows the dollars beside it.
CFOS-03
Overhead
What your trade carries at your size, what the CFOS target is, and why the number on your bid sheet stopped matching either one.
CFOS-01
Gross margin
What your trade earns above direct cost at your size, and the margin the system is built to hold.
CFOS-07
Net profit
What is left after everything, by trade and by size, and the number the system is built to reach.
TRADES
Find your trade
15 TRADES
Civil and earthwork
Civil, Demolition, Excavation, Grading, and more.
8 TRADES
Concrete and masonry
Concrete, Concrete flatwork, Masonry, Precast concrete, and more.
2 TRADES
Landscape and irrigation
Landscaping, Irrigation.
6 TRADES
Electrical and technology
Electrical, Fiber, Low voltage and AV, Security systems, and more.
7 TRADES
Mechanical and life safety
HVAC, Mechanical, Plumbing, Process piping, and more.
8 TRADES
Envelope and structure
Curtain wall and glazing, EIFS and stucco, Framing, Insulation, and more.
9 TRADES
Interiors and finishes
Acoustic ceiling, Drywall, Flooring, Interiors, and more.
4 TRADES
Specialty
Marine, Tank and vessel, Scaffolding, Fencing.
THE BOOK
What people who read it early said
Contracting isn't easy, and in my early days I made it much harder than it needed to be. But Josh's practical approach—and his proven track record—put simple but powerful concepts in the hands of construction owners. Concepts that, if put in place, will dramatically change the arc of your enterprise—and your life. As I read this book, I thought out loud (and also asked Josh): where were you in the mid-90s when I was struggling to get off the ground and gain altitude?!?! Reading this book and following its concepts is almost guaranteed to make you a more capable contractor.
Most contractors don't have a money problem. They have a visibility problem. Josh has built the rare book that fixes it the right way: not with a pep talk, but with a system. Eight steps, one monthly cadence, and a set of numbers you can actually hold your business to. Every chapter earns its place with a real contractor and a real result. If you want control and clarity over where your money goes, read this and then do what it says. The process works. Whether you show up for it is the only variable left.
I wasn't expecting a finance book to hit this close to home. What sets this book apart is that it doesn't stop at diagnosing the problem. Josh gives you real, usable solutions pulled straight from the field, not generic advice, but the kind of guidance that comes from someone who's actually been in the trenches with owners like us. I could barely put it down. It took me right back to when I was building my own crews, facing the same struggles so many of us face when we simply don't know what we don't know. This book doesn't just tell you what's broken; it gives you a way to fix it, regardless of whether you just started or have been doing this the same way for decades.
AUTHOR
