What a Fractional CFO Brings to a Restoration Business: Certainty

Written By Michele Gray

Restoration businesses don’t operate in calm waters. Insurance delays, emergency jobs, seasonal swings, staffing shortages, and material price spikes can make it feel like you’re running your business inside a hurricane.

You might be profitable on paper one month—and out of cash the next. Or feel like you’re growing—but can’t explain where the money went.

That’s where a fractional CFO comes in.

And what they bring isn’t just spreadsheets, dashboards, or forecasts.
What they really deliver is certainty.

What Do We Mean by “Certainty”?

Certainty in a restoration business doesn’t mean knowing the future—it means being equipped to respond with clarity and control.

When a CFO is on your team—even part-time—you no longer have to guess:

  • Can I afford to hire this estimator or tech?

  • Are we making money on rebuilds, or just staying busy?

  • What happens to cash if revenue dips next month?

  • Are we investing in the right marketing—or just spending?

  • Why do I feel broke even when revenue is strong?

With a fractional CFO, you get clear, consistent financial insight that gives you the confidence to act decisively, rather than reacting emotionally.

What a Fractional CFO Actually Does for a Restoration Business

Here’s what we do—and how each piece adds to your certainty:

1. Turn Your Financials Into a Decision-Making Tool

Most restoration owners look at their P&L and ask, “Are we up or down this month?”
A CFO looks deeper:

  • Are margins consistent by service line?

  • Are fixed costs creeping up?

  • Are profits improving—or just being propped up by one job?

We rebuild your financial reporting to reflect your actual operations. That includes breaking out mitigation, rebuild, contents, and mold as separate revenue lines—each with their own costs and profitability.

👉 Result: You can stop managing off gut feel and start leading with clarity.

2. Track and Forecast Cash Flow (Accurately)

We don’t just run cash flow reports—we forecast cash based on your billing cycle, collections trends, and vendor payment habits.

If payroll’s due in 10 days, you’ll know if you can cover it—and what to do if not. If you're planning to buy equipment or expand crews, we’ll tell you whether the cash supports it now or in 60 days.

👉 Result: No more surprises, no more panic. Just confident planning.

3. Uncover What’s Profitable (and What’s Not)

Are you making money on rebuilds? How much does each technician generate in revenue? Are you covering overhead with your average job size?

We answer those questions—and more—with KPIs tailored for restoration companies:

  • Gross margin by service line

  • Labor % of revenue

  • Revenue per tech or project manager

  • Overhead breakeven thresholds

  • Return on marketing or equipment investments

👉 Result: You can stop guessing—and start doubling down on what works.

4. Support Smart Growth, Not Just Fast Growth

You may want to expand into a new market, take on more program work, or hire another PM. But growth without financial structure can kill profitability and cash.

We help you build scalable infrastructure for growth:

  • Budgeting and scenario planning

  • Hiring capacity analysis

  • Service line expansion modeling

  • Cash reserve strategies

👉 Result: You grow with intention—and avoid the burnout and margin collapse that come from scaling too fast.

5. Give You a Financial Partner—Not Just a Bookkeeper

Your bookkeeper tracks the past.
Your CFO helps you plan for what’s coming next.

We become your financial sounding board, helping you:

  • Review monthly performance

  • Make investment decisions

  • Set financial goals

  • Plan for taxes and distributions

  • Navigate uncertainty with a steady hand

👉 Result: You don’t have to make big decisions alone anymore.

Why Restoration Businesses Need This Now More Than Ever

This industry is changing. Competition is rising, TPA margins are tightening, and the pressure to do more with less is increasing.

At the same time, most restoration owners are still flying blind when it comes to financials. They’re working hard, staying busy—but not building wealth. Not building certainty.

A fractional CFO bridges that gap—bringing strategic financial oversight without the cost of a full-time hire.

Want Certainty in Your Restoration Business?

At Kiwi Cash Flow, we specialize in CFO services for restoration companies. We know the industry, we know the numbers, and we know how to turn financial chaos into clarity.

If you’re ready to:

  • Understand your numbers

  • Control your cash

  • Make confident decisions

  • And grow your business with purpose—

👉 Schedule a call and let’s talk about what certainty looks like in your business.

Michele Gray
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