Contractors & Project-Based Businesses
If you bill by the job, a standard profit and loss statement is technically correct and strategically useless. We build your books by job — so you can see the difference between the work that pays and the work that doesn't. Trades, construction, remodeling, landscaping, and anyone else running on projects.
Standard P&L — June
Accurate. And it tells you nothing you can act on.
Job Profitability — June
Same $30,140. But now you know after-hours emergency calls cost you $1,180 last month, and your repipe pricing hasn't kept up with material costs.
What we do
We work with a small number of contractors so the work stays close and the numbers stay current. No call centers, no rotating account managers.
Clean, current books closed on a schedule you can set your calendar by.
Your crew gets paid, the filings happen, and you stop thinking about deadlines.
The part most bookkeepers skip, and the reason clients hire us.
How it works
The same cycle every month. You always know what's owed from you and what's coming back.
Statements, receipts, and invoices go into the secure portal. If your bank supports read-only access, we pull them ourselves and you send nothing.
Profit and loss, balance sheet, and the job profitability report. In plain language, with the two or three things worth your attention flagged at the top.
Weekly, biweekly, or semimonthly. Deposits go out on time, quarterly filings happen without a reminder from you, and new hires get reported inside the 20-day window.
Which kinds of work are carrying the business, where pricing has slipped behind cost, and what the next quarter looks like on cash. Monthly if you're on CFO Partner.
Pricing
Final pricing depends on your transaction volume, account count, and crew size. We'll quote you in writing after one call — and show you how we got there.
Essentials
$450
per month
For owner-operators who need clean books and reliable monthly numbers.
Up to 150 transactions / month
Up to 3 accounts
Growth
$750
per month
For contractors running a crew who need job-level visibility.
Up to 300 transactions / month
Up to 5 accounts · up to 30 jobs
CFO Partner
$1,400
per month
For owners making real decisions about pricing, hiring, and growth.
Up to 800 transactions / month
Up to 8 accounts · unlimited jobs
If your books are behind, we bring them current first as a separate one-time project, quoted in writing before any work begins. Recurring service starts once you're caught up.
Who you're working with
Lumera Advisory is Michael Paniagua. I've spent my career in corporate financial planning and analysis — building forecasts, running variance analysis, and answering the question every business owner eventually asks: where is the money actually going?
I started this practice because job-based businesses get handed the same generic bookkeeping as a retail shop, and it doesn't fit. If you bill by the project, you live or die on job margin. If your books can't show you that, they're not doing their job.
You'll work with me directly. Not a junior, not a rotating account manager, not an offshore team. That's also why I keep the client list small.
En español
Contabilidad, nómina y análisis de costos por trabajo — todo disponible en español, sin intermediarios ni traductores.
Sus estados financieros, su reporte de rentabilidad por trabajo y nuestras llamadas trimestrales pueden ser completamente en español si lo prefiere.
Get started
Bring your last three months of statements and a rough idea of your job volume. Thirty minutes, no obligation, and you'll leave with a real number instead of a range.
Send an email