Financial Intelligence
Replaces: Fractional CFO + Financial Analyst
Most construction and manufacturing companies run their finances the same way. Someone in accounting closes the books two to three weeks after month-end. They produce a P&L and a balance sheet. The owner looks at it, maybe asks a couple questions, and goes back to running the business with gut feel until the next report shows up. In the meantime, cash flow is managed by checking the bank account every morning and hoping the receivables come in before the payables go out.
The companies that do better than this usually have a fractional CFO. That person shows up one or two days a week, builds reports in Excel, and delivers a financial package that's genuinely useful — when it arrives. The problem is timing. A thirteen-week cash flow forecast is only useful if it reflects this week's numbers, not last month's. And when job cost reports take three days to assemble, you find out a project is bleeding money well after the damage is done. WIP schedules with manual data entry just don't get done consistently.
The agents connect directly to your accounting system and produce financial intelligence continuously. Not monthly reports — living documents that update as your data changes. The cash flow forecast reflects today's receivables and payables, not last week's. The job cost report shows you variance the moment it appears, not after someone manually reconciles the numbers. Your bank and surety packages are always current, always formatted correctly, always ready to send. Getting this information in real time instead of three weeks late changes the way you actually run the business — you're making decisions with current data instead of reacting to what already happened.
What the agents handle
Thirteen-week cash flow forecasting
A rolling cash flow projection built from your actual receivables, payables, and committed costs. Updated continuously as invoices come in, payments go out, and new commitments are made. You always know where cash stands — not where it stood last Tuesday.
Job cost reporting and variance analysis
Every active job tracked against its budget in real time. When labor hours are running hot or material costs are exceeding estimates, you know immediately — not when someone gets around to reconciling the spreadsheet at month-end.
WIP schedule generation
Work-in-progress schedules built from your project data and accounting records. Percentage of completion, cost to complete, estimated gross profit — all calculated automatically and updated as the underlying data changes.
Monthly financial packages
Complete financial reporting — P&L, balance sheet, cash flow statement, departmental breakdowns — assembled and formatted without anyone touching a spreadsheet. Delivered on the same day every month, not whenever accounting finishes.
Bank and surety packages
The specific financial reports your bank and surety company require, formatted to their specifications, always ready to send. No more scrambling to pull together a package when your bonding company calls.
Revenue forecasting
Forward-looking revenue projections based on your pipeline, backlog, and historical patterns. The agents model different scenarios — what happens if that big project slips a month, what the quarter looks like if you win two of the three bids outstanding.
Budget vs. actual analysis
Line-by-line comparison of what you planned to spend against what you actually spent, with variance explanations. Not just the numbers — the agents flag the variances that matter and explain what's driving them.
Profit and loss reporting
P&L reports sliced by project, department, division, or however you need to see the business. The agents know your chart of accounts, your cost categories, and your reporting preferences. They produce the same report your CFO would, just faster and more often.
How it works
Week 1–2
We learn your financial structure. Your chart of accounts, your reporting cadence, what your bank wants to see, how your jobs are structured, where your data lives. We map your accounting system and identify every data source the agents will need.
Week 2–4
Agents are connected to your accounting software, your project management system, and any other financial data sources. They start producing reports in parallel with your existing process so you can compare output and calibrate. When the numbers match and the format is right, they take over.
Ongoing
Continuous financial monitoring and reporting, managed by 1404. As your business changes — new cost categories, new reporting requirements, a new bank relationship — we update the agents. The result is financial visibility that used to require a full-time CFO and a dedicated analyst.
Let's talk about what your operations could look like
A 30-minute call to walk through what this could look like for your business.
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