— FOR PROJECT- AND SERVICE-BASED BUSINESSES GENERATING $2M–$40M
CFO services for clearer margins and cash flow.
Know your margins. Plan your cash. Grow with confidence.
Think CFO helps contractors, agencies, architecture and engineering firms, and equipment dealers understand profitability, forecast cash flow, and plan growth with greater confidence.
Flexible pricing plans aligned with your business needs and stage of growth.
START WITH YOUR BIGGEST QUESTION
What do you need to know before your next big decision?
Which work is actually profitable?
Can our cash support growth?
Can we afford our next hire?
30 min - online
with Steve Koscik, CPA, MBA
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STEVE KOSCIK, Founder
CPA, MBA • 20+ YEARS AS CFO/COO
—— THE SYSTEM · FICS
Five layers, installed in order.
The Financial Intelligence & Control System is installed in phases. Each layer goes live and earns trust before the next one is built on top of it.
01
Execution Truth
Budget vs. actual discipline
Cost code alignment
Change order capture
02
Financial Integrity
Clean books structure
Billing matched to production
Reliable monthly close
03
Control Layer
Margin variance alerts
Labor overrun monitoring
Backlog health tracking
04
Forecast Engine
13-week cash runway
12-month rolling forecast
Scenario modeling
05
Leadership Cadence
Weekly financial KPIs
Quarterly planning
Governance discipline
Foundation builds clarity. Growth installs enforcement. Scale installs discipline.
FREE ASSESSMENT
Find out where your financial system is costing you.
Fifteen questions score the machinery behind your numbers — what you can see, what you control, and what you can predict. Pick your industry; each assessment is written and benchmarked for that business.
—— FRACTIONAL CFO · FINANCIAL INFRASTRUCTURE
Predictable margin.
Predictable cash.
For $2M–$40M businesses that earn revenue by project, phase, milestone or service line.
Think CFO installs FICS, a five-layer financial system that shows you what each job, client and service line is really producing, months before it reaches the bank account.
STEVE KOSCIK, CPA, MBA • 20+ YEARS AS CFO/COO
Four revenue streams—equipment sales, service, parts, and rentals—each with different economics.
Most dealers can tell you total revenue to the dollar, but few can confidently identify which service lines are actually generating profit. Service profitability is often estimated, inventory quietly consumes cash, and revenue isn't consistently matched to the costs that produced it.
Think CFO FICS provides true profitability by service line, aligns revenue with actual costs, improves inventory visibility, and creates rolling forecasts driven by purchase orders instead of assumptions.
We've installed this approach in multi-service-line businesses through private equity exit. True service-line profitability is exactly what sophisticated buyers are looking for.
—— THE PROBLEM
Revenue grows.
Visibility doesn’t.
Most growing firms aren’t short on revenue. They’re short on structure. The numbers exist, but they arrive too late and don’t line up with how the work actually happens.
01
Margin surprises at closeout
Job and client profitability shows up after the work is done, when it’s too late to fix.
02
Cash strain despite a strong backlog
Billing lags production, working capital gets squeezed, and the line of credit fills the gap.
03
Forecasts disconnected from operations
Hiring, pricing and capacity decisions get made without numbers anyone trusts.
Built for Scaling Businesses with Complex Revenue Models
FICS is designed for:
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Marketing Firms
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Architecture & Engineering Firms
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Subcontractors
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Specialty trades
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Commercial General Contractors
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Industrial & Environmental Service Firms
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Equipment Distributors & Dealers (Sales, Service, Parts & Rentals)
Common characteristics:
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Project based revenue
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Labor-based cost structure
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Active backlog/pipeline
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Multiple project/account managers
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Margin sensitivity
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Growth creating operational strain
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Recurring revenue model
The biggest change was cash visibility. Think CFO installed forecasting and financial discipline that lets us see problems months before they hit the bank account."
— President, Commercial Contractor
Think CFO helped us implement a 13-week cash forecast and backlog conversion model. In less than six months, we eliminated the cash swings that used to force us to draw on our line of credit every quarter."
— Owner, Civil Infrastructure Contractor ($22M Revenue)
"Steve helped us build a rolling 12-month financial forecast tied to backlog. We now have visibility into revenue and labor capacity nearly a year in advance."
— Founder, Electrical Contractor ($18M Revenue)
"Our monthly financial close used to take 20 days and the numbers were still questionable. With Think CFO’s structure in place, we now close within 5 days with reporting leadership actually trusts."
— CEO, Specialty Trade Contractor ($30M Revenue)
Book a Financial Infrastructure Assessment
Requirements:
QuickBooks Online preferred
We evaluate your business across the five FICS layers and deliver:
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Maturity score
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Risk exposure map
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Tier recommendation
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12-month roadmap
20+
Years of Experience
25+
Clients
100%
Customer Satisfaction
MEET THE FOUNDER
Steve Koscik CPA/MBA
Steve Koscik is a CPA, MBA, and the founder of Think CFO — creator of the FICS Financial Intelligence & Control System.
Steve works with founders and CEOs of marketing agencies, creative firms, consulting companies, and project-based businesses — including specialty trades and contractors — who are scaling revenue but operating without the financial infrastructure to sustain it. His clients are typically generating $2M–$40M, growing fast, and making critical decisions on hiring, pricing, and capacity without reliable numbers to back them up.
Over 20 years, Steve has led financial transformations across service organizations, agencies, and multi-site operations — driving 30–35% profitability improvements by replacing reactive reporting with proactive financial architecture. He holds certifications in CPA, CITP, Six Sigma, Jirav, and Scaling Up.
He built FICS after seeing the same pattern repeat across every industry: founders generating real revenue, building real teams, but still flying blind on cash, margin, and capacity — not from lack of ambition, but lack of structure.
Think CFO doesn't do your bookkeeping. We install the financial operating system that makes your next stage of growth executable.
Contact
Schedule a confidential consultation to discuss your project-based financial structure, reporting clarity, and long-term growth objectives.
