Clarity and control for your business finances.

Build CFO provides fractional CFO services to construction companies, real estate firms, and professional services businesses. CFO strategy plus AI automation across forecasting, analysis, data consolidation, and routine finance workflows.

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You have a bookkeeper. You have a CPA.
But no one is looking forward.

No one is forecasting your cash, analyzing your true margins, or helping you make decisions with real data.

A full-time CFO costs $200K or more. Build CFO gives you that strategic partner without the overhead, and uses AI automation across forecasting, analysis, data consolidation, and routine finance workflows so your numbers are always current.

Built for your industry.

Deep expertise in three verticals. Not a generalist practice.

Construction

Construction is where Build CFO was built. I work with homebuilders and construction companies doing $5M–$75M in annual revenue. These are owner-operators who have outgrown DIY financials but don’t need a full-time CFO yet.

Construction finance is uniquely complex: job costing, cash flow timing against draw schedules, retainage, WIP schedules, progress billing, and lender reporting. Most fractional CFOs don’t know this world. I do.

Job profitability: which homes made money and which didn’t
13-week cash flow forecasting against construction draw cycles
WIP schedule development and overbilling/underbilling analysis
Lender and banking package preparation
Budget vs. actual variance by job

Real Estate Services

Real estate brokerages, property management companies, developers, and advisory practices all operate on lumpy, commission-based revenue that makes traditional financial planning nearly impossible without the right framework.

I spent several years as a senior finance leader at one of Tampa Bay’s largest commercial real estate firms before launching Build CFO. I understand how CRE businesses are built, how they scale, and where the financial complexity hides.

Commission forecasting and cash flow smoothing
Agent and team economics modeling
Pipeline-to-revenue conversion analysis
Headcount and capacity planning tied to deal volume
Growth scenario modeling for expansion decisions

Professional Services

Law firms, consulting practices, staffing agencies, engineering firms, and other professional services businesses share a common financial structure: project-based revenue, utilization-driven margins, and owner-dependent operations that make it hard to plan ahead.

I spent several years in FP&A at Fortune 25 companies, and that background translates directly to project economics, resource planning, and the financial infrastructure needed to grow beyond founder dependence.

Project profitability and utilization analysis
Revenue recognition and deferred revenue management
Rolling cash flow forecasting for uneven billing cycles
Pricing model analysis and rate optimization
KPI dashboards that actually reflect how the business works

Every engagement is tailored to your business. Whether you need a full financial infrastructure built from scratch or a strategic partner to bring clarity to an already-running operation, we’ll design the right scope together.

How We Work Together

Every engagement starts with a conversation. From there, most clients work with me in one of two ways.

Diagnostic Sprint

Not sure where your numbers stand? A Diagnostic Sprint is a short, focused engagement, typically two to four weeks, that gives you a clear financial picture and a concrete path forward. No long-term commitment required.

Examples

Financial health assessment
Cash flow model build
Job costing analysis
Banking package preparation
Budget vs. actual review

Monthly Retainer

This is the core of what I do. As your fractional CFO, I handle the financial infrastructure your business needs to operate with clarity every month, and serve as a strategic partner on the decisions that matter most.

Includes

Monthly financial package
13-week cash flow forecast
Profitability analysis by job or project
KPI dashboard
Monthly strategy meeting
Quarterly business reviews
Annual planning
Growth scenario modeling
Lender and board support

About

I’m Kyle Richardson, founder of Build CFO. I spent several years in financial planning and analysis at Fortune 25 companies, then several more as a senior finance leader at one of Tampa Bay’s largest commercial real estate firms, before launching Build CFO focusing on industries where I can create the most value.

I built Build CFO around a simple belief: growing businesses deserve CFO-level financial leadership. Not just a bookkeeper who can run a P&L, but a real strategic finance partner who understands their industry, speaks their language, and helps them make better decisions.

My background spans construction finance, commercial real estate, and corporate FP&A. I’m based in Tampa and work with clients across Florida and the Southeast.

Let’s Talk

The best way to get started is a conversation. Book a time directly on my calendar, or reach out by email or phone.