Financial clarity for construction businesses
Construction cashflow is uniquely difficult. Large upfront costs, stage payments that arrive late, retention held for months, and multiple projects running simultaneously. CFO Pal gives you visibility across every job so you always know where the money is.
The problem
You are profitable on paper but permanently short of cash because retention is held for 6 to 12 months.
Stage payment applications take weeks to process and you are funding materials and labour in the meantime.
You run multiple projects simultaneously but cannot see which ones are actually making money.
Subcontractor invoices arrive in batches and create cash spikes you did not anticipate.
What changes with CFO Pal
The forecast opens from the cash you actually hold rather than from profit, so money earned and not yet paid never reads as money available.
Debtor ageing shows every unpaid application by client and how long it has been outstanding, so a slow certifier is visible rather than assumed.
Where your ledger tags work by job or department, gross margin is reported per tag, with anything untagged listed on its own line rather than spread across the others.
A rising supplier run is named with the increase, so a batch of subcontractor invoices stepping up is something you are told about rather than something you discover.
“Can I afford this hire?” Ask it from the site rather than the office: CFO Pal answers on WhatsApp at any hour, from your own ledger, with nothing to install.
£199/month + VAT. Everything included.
Connects to Xero, QuickBooks, and Sage. 14-day free trial. No card required.
See full pricing details →Stop guessing. Start knowing.
Join UK businesses that know exactly where they stand financially. Every Monday morning.
Connects to Xero, QuickBooks & Sage · UK data residency · No card required