Trades businesses don’t fail because they’re not busy — they struggle when cash timing and job margins don’t match the workload.
At Black Dog Bookkeeping, we help HVAC, plumbing, and electrical contractors optimize cash flow by turning your financials into a clear plan you can run weekly and monthly.
C.F.O. = Cash Flow Optimizer
Forecast. Focus. Grow — your financials turned into a plan.
Cash flow doesn’t improve by accident — it improves with clear numbers, a plan, and consistent habits.
We help you optimize cash flow by turning your financials into a simple decision-making system, so that you always know what’s coming and what to do next.
Do these problems sound familiar?
“We’re slammed but cash is tight.”
“Payroll hits and it feels like we start over.”
“Jobs look profitable… until the end.”
“We don’t know if we can afford the next hire/truck.”
“Collections and vendor payments are always behind.”
Don’t worry, we will take these worries off of your plate!
Interested? Learn how we optimize cash flow for contractors just like you:
✔ Clean numbers you can trust
Accurate books + consistent job and overhead categories so the reports actually mean something.
✔ Cash flow visibility (short-term + quarterly)
A simple cash forecast that shows inflows/outflows, upcoming payroll, taxes, debt, and seasonal swings.
✔ Job & labor profitability focus
Make sure the work you’re doing is paying you: job margins, labor efficiency, and “where the money leaks.”
✔ Pricing & change-order discipline
Tighten pricing, service rates, and scope controls so profit isn’t eaten by extras.
✔ AR/AP timing systems
Speed up collections, set deposit/progress billing expectations, and schedule vendor payments so cash stays steady.
✔ Monthly decision meeting
We review results, compare to the plan, and pick 1–3 actions for the next month.
Trust us, this is for you if you’re too busy and cash still feels like a mystery.
An investment in Cash Flow Optimizer gives you:
✔ Monthly bookkeeping + bank/credit card reconciliations
✔ Clean financial statements (P&L, Balance Sheet) delivered on schedule
✔ Contractor-friendly categorization (COGS vs overhead)
✔ QBO support + basic monthly notes (what changed, what to watch)A simple cash flow view (6–8 weeks out) so you can see what’s coming
✔ Monthly cash flow plan: payroll, taxes, vendors, debt, big purchases
✔ Collections + payables rhythm (simple system to smooth cash timing)
✔ Monthly review call with 1–3 clear action steps