Numbers you can actually underwrite against
A construction borrower who can't produce a real WIP schedule on request isn't hiding something from you, he usually can't see it himself. CONTROL: The Construction Financial Operating System fixes the reporting underneath the relationship, which is a better use of a year-end gift than a logoed portfolio.
The renewal that shouldn't be a surprise
Revenue looks fine and working capital has thinned without anyone flagging it. A covenant conversation starts because a number moved and no one, including the borrower, can say why. None of that's usually concealment. It's a construction business running its accounting for tax purposes instead of for decision-making, and it produces figures that hold up on a return and fall apart the moment you ask a real question about a specific job. Fixing that's fixing your own visibility into the credit.
8 steps, six templates, sixty days
What lenders ask before sending it
Why would a bank want to help a borrower fix their own reporting?
The alternative costs you more. A construction borrower who can't produce a current WIP schedule or explain a swing in working capital is a borrower whose renewal takes longer and whose covenant conversations start from suspicion instead of numbers. Better reporting on his end is less exposure on yours.
Is this really a gift, or does it read as the bank auditing him?
It reads as a gift if it's framed as one, because it genuinely is useful to him independent of the loan: 8 steps and six templates that make his own business easier to run, not a compliance requirement dressed up as a present.
What does it actually fix in his numbers?
The operational layer that produces the figures you're underwriting against: real job costing, not a guess; a WIP schedule maintained monthly, not reconstructed at renewal; overhead priced against what it actually costs him to run, not a number left over from last year.
Which clients is this a good fit for?
Commercial subcontractors from under $1M to $100M, doing commercial progress-payment work. If a borrower is already producing a clean monthly WIP with real job-level margins, he has the system already and won't need it.
Is it a good gift for several borrowers at once, or does that feel impersonal?
It holds up well across a portfolio because the problem it fixes is so common: most owners this size can tell you the business is busy and can't tell you which jobs are actually profitable. Saying so in a short message beats a generic thank-you-for-your-business card.
$9.99 ebook, $24.99 paperback
Paperback if you want it read rather than filed. Six chapters include a QR code straight to a working file.
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Wrote CONTROL, the 8 step system behind these figures. More about the author.