Free Tool
How much cash will you float on the next big job?
On a $2M commercial job, the cash gap — weekly payroll out, GC payments 45 days away — typically runs $400–500K before the first check lands. Most contractors find this out the week payroll bounces. Move the sliders. See your gap before you sign the contract.
Question 1 of 3
What kind of work do you do?
We use this to set your trade-specific cost mix and benchmarks.
Want a real model on your specific project?
This calculator gives you a directional answer. We can build a week-by-week model on your actual contract — with your real labor mix, material spend, draw schedule, and supplier terms — and tell you the right LoC size and the levers that shrink the gap.
From clients
What contractors say after working with us.
“We were doing $7M and I almost missed payroll twice in one quarter. Sam pulled the cash report apart line by line — turns out we had ~$340K in unbilled WIP sitting in the field. Got most of it billed and collected inside two weeks. The CFO retainer basically paid for itself the first month.”
“The eye-opener for me was when Sam showed me my biggest GC was actually losing me money on a fully-loaded basis. I'd been chasing that account for years. We repriced, lost them for 90 days, then they came back at better terms. That doesn't happen if nobody's running the math.”
“AR was a mess — $1.2M older than 60 days and probably $480K I'd written off in my head. Sam set up a weekly escalation cadence that we actually stuck to. Recovered about $620K in five months. Some of those calls were uncomfortable but they worked.”
Simple pricing
Three tiers, one ladder.
$99/mo
Books
Clean monthly books, tax-ready year-end. Same flat rate for catch-up.
$1,500+/mo
Fractional CFO
Cash forecasting, profitability analysis, monthly strategy calls.
$3,000+/mo
CFO + Operations
Dedicated CFO, AI-native workflows, dashboards, and integrations.
Related reading
See your real cash gap on your real contract
Drop your info and a Level CFO will reach out to walk through your numbers. Free audit included.
No commitment. Real numbers, not generic advice.