Job results appear too late
Management discovers margin problems after materials, labor and subcontractor costs are already committed.
Construction and trades financial management
Know where the work makes money—and where the system loses control.
Lilly Financial helps contractors, builders and trade businesses improve job-level visibility, cash-flow planning, internal controls and the financial workflows connecting the field to the office.
General contractorsSpecialty tradesBuildersHome-service companies
Busy is not the same as profitable.
Construction businesses can carry substantial work while losing visibility between estimate, execution, billing and collection.
Growth creates a cash squeeze
Payroll, vendors and project timing create obligations before customer cash is available.
Field and office records diverge
Changes, approvals, purchasing and job documentation do not consistently reach the accounting system.
Financial systems built around the project cycle
The purpose is not to burden the field with accounting. It is to capture the information management needs while decisions can still change the outcome.
Job-cost reporting structure
Align accounting categories and project information so management can evaluate costs, billings, margin and unresolved exposure.
Cash-flow and obligation planning
Build visibility around payroll, vendors, subcontractors, expected collections and upcoming project requirements.
Purchasing and payment controls
Clarify authorization, documentation and payment workflows to reduce avoidable errors, duplication and unapproved commitments.
Change and documentation workflows
Strengthen the flow of approved changes, supporting records and billing information from the job to the financial system.
Financial cleanup and tax readiness
Organize records, resolve supported inconsistencies and improve year-round readiness for tax preparation and planning.
Management reporting and forecasting
Create a recurring view of job health, company liquidity, operating trends and decisions requiring management attention.
The reporting should follow the work.
A contractor needs to see more than a company-wide profit-and-loss statement. The financial system should help management understand project economics, cash commitments, billing status and the capacity to take on additional work.
We build the accounting and workflow structure around those questions, then document responsibilities so the process remains usable as volume increases.
Bring us the workflow and reporting problem.
We will determine what records, controls and financial structure the operation needs.
Professional scope
Lilly Financial does not currently provide representation before tax authorities, independent financial-statement audits or other attest services. Matters requiring authorized representation, legal advice or attest work are coordinated with or referred to appropriately credentialed professionals. Review the complete scope statement.