Financial Services for Trades & Contractors

Your crews build it. We make sure it's profitable.

Bookkeeping for contractors that actually understands your business. You're running projects, managing crews, and growing revenue — but nobody is telling you which jobs actually made money — or whether you can afford the next hire. That's not a bookkeeping problem. That's a financial visibility problem.

"Revenue is up 30% but I'm not sure we're actually making more money."— The margin mystery
"I want to hire two more guys but I honestly don't know if I can afford them."— The growth question
"My bookkeeper has no idea how to handle job costing for a contractor."— The expertise gap
Financial Services for General Contractors and Trades

Your financial team should understand how contractors actually make money.

Most financial firms treat every business the same. A contractor's finances look nothing like a consultant's. Multi-project tracking, crew payroll, materials cost, subs, equipment depreciation — we get it because this is our focus.

Job Costing & Profitability

Revenue by project is easy. Gross margin per job — including labor, materials, subs, and equipment — is what matters. We track it so you see which work is worth repeating and which isn't.

Crew Payroll & Labor Burden

Field crews, apprentices, project managers — different pay rates, overtime rules, and burden rates. We track fully loaded labor costs and tie them back to specific jobs.

Subcontractor Management

Multiple subs per project, W-9 tracking, 1099 filing at year-end, and cost allocation to the right job. We handle it cleanly so nothing gets missed or misallocated.

Equipment & Fleet Costs

Trucks, trailers, tools, heavy equipment — depreciation, maintenance, fuel. We track fleet costs as a real line item so you know what your equipment is actually costing you.

Seasonal Cash Flow

HVAC peaks in summer, roofing slows in winter, remodels spike in spring. We forecast around your actual seasonality so you plan ahead instead of reacting to the dip.

Contractor Tax Strategy

S-Corp elections, vehicle deductions, Section 179 equipment write-offs, retirement planning — tax moves specific to trades businesses that most generalist CPAs don't think about.

Bookkeeping for HVAC, Plumbing, Electrical, and Roofing Contractors

One financial team. Every type of contractor.

HVAC

Service calls, installations, maintenance contracts, seasonal demand cycles

Plumbing

Emergency calls, project bids, parts inventory, multi-tech scheduling

Electrical

Residential, commercial, new construction — permit tracking, material markup

General Contractors

Multi-trade coordination, draw schedules, retainage, change orders

Remodelers

Kitchen, bath, whole-home — scope changes, material costs, timeline-based billing

Roofing & Siding

Weather-dependent scheduling, insurance work, seasonal revenue management

Real Problems We Solve

The financial challenges contractors face every month.

And exactly what Nuve does about them.

The Margin Mystery

Revenue is up 30% this year. But profit margins aren't keeping up.

More jobs, more crew, more materials — but the owner can't tell which jobs are profitable and which are eating margin. Without job-level costing, growth can actually make the problem worse.

What Nuve Does
Job-level profitability tracking. You see gross margin per project so you can double down on profitable work and reprice or decline the work that bleeds money.
$$$
per-job margin, visible
The Hiring Gamble

"Can I afford two more techs?" — answered with data, not hope.

Adding crew means payroll, benefits, vehicles, and tools before they produce a dollar of revenue. Most contractors make this decision based on gut feeling. That's expensive when it's wrong.

What Nuve Does
We model the fully loaded cost of each hire against your revenue projections and cash position. You get a clear answer: yes, no, or yes but not until Q3.
90
day cash forecast
The Slow Season Cash Crunch

Revenue drops 40% in winter. Payroll and overhead don't.

Seasonal contractors know the dip is coming but rarely plan for it financially. By the time cash gets tight, the options are expensive: credit lines, delayed payables, or panicked cost-cutting.

What Nuve Does
We build seasonal cash flow forecasts that start planning for the slow months while you're still in peak season. Reserves set aside, expenses right-sized, no January panic.
12
months planned ahead
Why Nuve Wins

How Nuve compares — for contractors specifically.

Your financial partner should understand how trades businesses actually work.

Local CPAFreelance BookkeeperNuve
CPA-led & credentialed
Books + Tax + CFO integrated
Understands trades & contractorsRarely
Job costing & profitability
Proactive, not reactive
Modern tech stackRarely
No annual contractRarelySometimes

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 Contractors. No Gaps.

Your crews do the work. Let us handle the numbers.

Book a free 30-minute Financial Clarity Call. We'll look at your current setup, identify where job profitability, cash flow, 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