Financial Services for Restoration Businesses

The financial team built for restoration.

You need bookkeeping for your restoration company that actually understands your industry. Your current bookkeeper has never heard of Xactimate. Your CPA has never seen a TPA billing cycle. You're doing $2M in revenue and still flying blind on which jobs made you money. That changes now.

"I finished a $200K job and waited 90 days for the insurance to pay. Meanwhile payroll didn't wait."— The cash flow gap every restoration owner knows
"I have no idea which jobs made me money and which ones I basically did for free."— The profitability blind spot
"Tax season hit and somehow I owe $35K I wasn't planning for."— The April surprise
We Know Restoration Financial Services

Most financial firms don't speak restoration. We do.

Bench doesn't know what Xactimate is. Pilot isn't built for a restoration contractor with 20 crew members and 60-day insurance payment cycles. Nuve is.

Xactimate & Insurance Billing

We understand how Xactimate-based invoicing works, how supplements affect your revenue recognition, and how to track billing against actual collections.

Insurance AR & TPA Cycles

60-90 day payment cycles from TPAs and carriers are normal in your world. We track aging receivables, flag delays, and forecast around the gap between work done and cash received.

Job Costing & Profitability

Knowing total revenue is easy. Knowing gross margin per project — including labor, materials, subs, and equipment — is what separates guessing from deciding. We set that up.

Crew Payroll & Labor Costs

Field crews, project managers, admin staff — all with different pay structures, overtime, and burden rates. We track it all and tie labor costs back to specific jobs.

Subcontractor Management

Multiple subs per project, W-9 tracking, 1099 filing, and making sure sub costs are allocated to the right jobs. We handle it cleanly so you don't have to chase it.

Cash Flow Forecasting

When insurance pays in 90 days but payroll is every two weeks, cash flow forecasting isn't optional — it's survival. We build 13-week rolling forecasts tied to your AR aging.

Bookkeeping for Water Damage, Fire, Mold, and Storm Restoration

One financial team. Every type of restoration.

Water Damage

Mitigation, extraction, drying — insurance billing & supplement tracking

Fire & Smoke

Contents, structure, rebuild — complex multi-phase job costing

Mold Remediation

Testing, containment, remediation — specialized compliance tracking

Storm Damage

Roofing, siding, emergency board-up — seasonal cash flow management

Real Problems We Solve

These are the financial challenges restoration owners face every month.

And exactly what Nuve does about them.

The Cash Flow Gap

You're billing $180K/month but payroll doesn't wait for insurance to pay.

Insurance payments lag 60-90 days. Crew payroll, materials, and subs are due now. You have revenue on paper and a cash crisis in reality.

What Nuve Does
13-week cash flow forecast tied to your AR aging. You see what's coming in, when — and plan payroll and purchases around reality, not hope.
90
days of cash visibility
The Profitability Blind Spot

You know total revenue. You have no idea which jobs made money.

Some jobs are highly profitable. Some you did for free after factoring labor, materials, and subs. Without job-level costing, you can't tell the difference.

What Nuve Does
Job-level profitability tracking — gross margin per project, crew cost analysis, and visibility into which work is worth repeating and which isn't.
$$$
per-job margin, visible
The Tax Surprise

A $35K tax bill nobody saw coming.

Your CPA doesn't see your books until March. Nobody estimated quarterly payments. Nobody flagged the liability building on the balance sheet. April hits and you write a check you didn't plan for.

What Nuve Does
Quarterly tax estimates built on the same books we maintain year-round. Deductions planned before December. Reserves set aside so April is a formality.
$0
tax surprises
Why Nuve Wins

How Nuve compares — for restoration businesses specifically.

Not every financial firm is built the same. Here's where the differences matter for your industry.

Local CPA Freelance Bookkeeper Nuve
CPA-led & credentialed
Books + Tax + CFO integrated
Knows restoration industry
Proactive, not reactive
Modern tech stack Rarely
No annual contract Rarely Sometimes
Fixed monthly pricing Rarely Sometimes
Real Client Story

WOW Total Cleaning & Restoration
Austin, TX  ·  DKI Network

23 years in business before they knew month-to-month if they were profitable. Revenue trending from $2M toward $3.2M — and for the first time, full financial clarity every week.

Read the Full Story
"It will help them change their mindset to make decisions based on results — not gut feelings."
— Oscar A., Co-Founder, WOW Total Cleaning
$3.2M
Current year target
23 yrs
In business
DKI
Network member

Transparent pricing. Clear, proactive communication. No annual contracts. If you ever stop experiencing clarity, consistency, and value — cancel anytime with 30 days' notice. No penalties. No friction. Stay because it works.

Built for Restoration. No Gaps.

Your financial team should know your industry. Ours does.

Book a free 30-minute Financial Clarity Call. We'll look at your current setup, identify where cash, profitability, and tax visibility are breaking down — and tell you exactly what we'd change.

Book a Financial Clarity Call

Free · 30 minutes · No obligation · No sales pressure