CFOSg Our Profit Model
Construction Profit-Ready Xero | CFOSg
Construction profit control

Track the 5 numbers that protect construction profit

See job cash, gross margin, progress claims, retention, and committed costs in one clear weekly view. Profit-Ready™ Xero helps you spot pressure earlier and make better decisions before month-end.

Book a Xero demo See Profit-Ready Xero

What you gain

Clearer job cash and billing visibility

Better cost and margin control

Stronger retention and cash-flow guardrails

The weekly numbers

The 5 numbers to review

These numbers help you see whether projects are profitable, whether claims are keeping up with work done, and where cash may get trapped.

1

Job cash position

Cash collected for each project compared with project payments made.

Watch: cash out ahead of claims
2

Gross margin

Contract revenue less labour, materials, subcontractors, and direct costs.

Watch: margin falling
3

Progress claims

Work completed compared with amounts billed and certified.

Watch: unbilled work
4

Retention exposure

Retention amounts held back and the expected collection timing.

Watch: slow release
5

Committed costs

Approved purchase orders and subcontractor costs not yet fully invoiced.

Watch: hidden future spend
How Profit-Ready helps

Turn Xero into a clearer construction decision system

Xero records invoices and costs. Profit-Ready Xero helps you organise the numbers by project, see timing gaps faster, and build a simple weekly review habit.

Inside Xero

Better visibility over projects and costs

  • Cleaner setup for project revenue, labour, materials, subcontractors, and overheads
  • Tracking views for projects, sites, departments, or cost areas where useful
  • Better visibility over progress claims, retention, committed costs, and job margin
  • Cleaner dashboards and reports for weekly review
  • A Xero file that supports decisions, not just bookkeeping
Outside Xero

Better weekly control over cash and margin

  • A weekly Money Day habit so you know what to review
  • CPR checks across cash, profit, and revenue
  • Simple guardrails for claims, supplier payments, margin, and spending
  • Better decisions around job pricing, overruns, variations, and collections
  • A clearer view of whether each project is busy, cash-positive, and profitable

Start with the free Construction Money Day checklist

Review job cash, claims, retention, committed costs, and project margin every week without waiting for month-end.

Download the checklist
Frequently asked questions

Common questions

Is Xero enough on its own?

Xero is useful software, but it does not automatically tell you whether each project is cash-positive, whether work is underbilled, or whether committed costs are weakening margin. Profit-Ready Xero adds the structure, guardrails, and review habit.

Do I need this if I already have Xero?

Yes, if you still feel unsure about project cash, job margin, progress claims, retention, committed costs, or weekly decisions. Having Xero is not the same as having a clear project profit-control system.

Is this bookkeeping or advisory?

It is advisory-led. The goal is not only to keep the file tidy, but to help you understand what the project numbers are saying and what to do next.

Want clearer job cash and better control over construction profit?

Book a Xero demo and see what may be weakening cash, where project margin is leaking, and what the right next step looks like.

Book a Xero demo
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Business enquiries: hello@cfo.sg | WhatsApp us

“You Quote Big. But Where’s the Profit?”

Project Revenue ≠ Pay Day

Get Xero + Job Costing + Cash Control — Funded Up to 70%

We help subcontractors and project-based businesses fix their cashflow, track job profitability, and stop bleeding money between payouts.

“Big project? Small bank balance?”

  • No job-by-job profitability view

  • Paying workers before client pays

  • Tax and GST pile-ups every quarter

What You Get:

✅ Xero Setup for Project Tracking

✅ Job Costing Templates

✅ CTC Grant Support

✅ Cash Buffer Strategy

✅ Pricing Fix & Project Profit Reviews

Free Bonus:
“Project Leak Finder” — Quick job profitability checker.

[Book a Free Construction Cash Diagnostic]
CFOsg – Construction
Construction

Track 5 numbers. Stop the leaks. Keep more profit.

Bill the work you’ve done, shorten retention delays, and keep site cash healthy.

Book a Profit Talk See the Profit-Ready System

Core guardrails we set up

Real Revenue after delivery costs

Discount impact and profit erosion

Hidden decisions (OPEX creep)

Cash guardrail / payback

Role-based dashboards and alerts

Construction & Renovation – bill what’s done, not what’s left

What we set up

Progress billing discipline, retention tracking, and project runway so you aren’t financing clients.

Progress-Billing Gap
% complete − % invoiced
Alert: gap over 10%
Retention Receivable Days
Retention ÷ monthly revenue × 30
Alert: over 60d
Project Runway
Cash ÷ monthly OPEX
Alert: under 1.0 mo
Supplier Concentration
Top vendor % of purchases
Alert: over 40%

Universal CFO metrics

  • Real revenue after subcontractors and materials
  • Hidden decisions in site overheads
  • Discount policy for VO/claims disputes
Run project health check Request a sample dashboard
© CFOsg. Guardrails, not guesswork. Questions? hello@cfo.sg
what Profit-Ready includes

More than software. More than reports.

Xero can record transactions and produce reports. Profit-Ready helps turn those numbers into better visibility, better weekly decisions, and better profit control.

inside Xero

Better structure and visibility

  • Cleaner file setup so the numbers reflect reality
  • Better account structure for clearer reporting
  • Tracking, dashboard, and report visibility where useful
  • Cleaner review of cash, profit, and revenue trends
  • Practical setup that supports decisions, not just bookkeeping
outside Xero

Better weekly decisions and habits

  • Money Day review habits that keep numbers visible
  • CPR checks across cash, profit, and revenue
  • Simple guardrails for spending, margin, and collections
  • Clearer next-step decisions each week
  • Industry-specific checklists so nothing important gets missed
how Profit-Ready helps

How Profit-Ready helps your construction business

Xero can record the job costs and invoices, but it does not tell you where cash is getting stuck, whether margins are slipping, or what needs attention this week. Profit-Ready helps turn your Xero file into a clearer decision system for construction owners.

inside Xero

Better visibility over jobs and cash

  • Cleaner setup for direct costs, overheads, subcontractors, and claims
  • Tracking or project visibility where useful for jobs and cost areas
  • Better review of billings, supplier pressure, and payment timing
  • Cleaner reporting so weak margins show up earlier
  • A Xero file that supports control, not just compliance
outside Xero

Better weekly decisions before issues grow

  • A weekly Money Day habit so jobs do not drift quietly
  • CPR checks across cash, profit, and revenue
  • Simple guardrails for collections, overruns, retention, and spending
  • Better timing decisions around claims, suppliers, and cash pressure
  • A clearer way to see whether the business is active, funded, and actually profitable

What this looks like for construction

  • Are claims being collected quickly enough?
  • Are supplier payments putting too much pressure on cash?
  • Are timing gaps between work done and money received getting worse?
  • Are overruns quietly eating the margin?
  • Are you busy on paper, but still feeling cash-starved?

Start with the free construction Money Day checklist

Review claims, collections, supplier pressure, overruns, and cash timing every week before problems snowball.

Download the checklist
what changes

What changes after Profit-Ready

Clearer cash

You stop relying on one bank balance and start seeing where cash pressure is really coming from.

Better margin visibility

Weak pricing, rising costs, and quiet leaks become easier to spot before they do more damage.

Better weekly decisions

You know what to review, what it means, and what to act on without waiting for month-end.

More control

Your numbers become part of how you run the business, not just something you look at after the fact.

frequently asked questions

Common questions

Is Xero enough on its own?

Xero is useful software, but software alone does not tell you what to watch each week, where profit is leaking, or what action to take next. That is where Profit-Ready and Money Day come in.

What do you actually help me with inside Xero?

We help clean up visibility inside the file, improve how the numbers are structured, and make reports easier to use for decisions. Depending on the business, that can include cleaner account structure, tracking visibility, dashboard review, and better reporting logic.

What happens outside Xero?

Outside Xero, we help you build a weekly Money Day habit, review cash, profit, and revenue using the CPR lens, and make better operating decisions before problems get worse.

Is this bookkeeping or advisory?

It is advisory-led. The goal is not just to keep the file tidy, but to help you understand what the numbers are saying and what to do about them.

Do I need this if I already have Xero?

Yes, if you still feel unsure about cash, margin, or weekly decisions. Having Xero is not the same as having a clear profit-control system.

Want clearer cash, better profit visibility, and better weekly decisions?

Start with a profit call and see what is weakening cash, where profit is leaking, and what the right next step looks like for your business.

Book a profit call