Revenue's Good. It Just Feels Like It Could Be Better. — CFO Growth Experts
Fractional CFO · Home Services · Fleet-Based Businesses

Revenue's good. You're making money. It just feels like
it could be better.

That's the most common thing I hear from owners at your size.

A closer look at the numbers usually tells you whether that feeling is actually true for your business.

Trusted by growing owner-led companies
20+
Years of senior CFO leadership
50+
Companies grown and advised
$500M+
Capital advised and deployed
"
Tom brought clarity to our numbers and strategy. It changed the way we make decisions.— Jody Stoehr, CEO
Before we talk

You've probably already guessed at why.

Maybe you think it's pricing. Or the hire that didn't work out. Or the new truck payment hitting at the wrong time. Maybe it feels like all three.

You're probably right about some of it. But it's rarely the whole story. There's almost always something else — somewhere you haven't thought to look yet.

That's exactly what a closer look is for.
Where I look first

Five places most P&Ls don't show you.

Which of these is actually costing you, and how much, is what gets figured out together.

Per-Truck Profitability
Pricing vs. Rising Labor
Unbilled Work
Aging Receivables
True Fleet Ownership Cost

Tom walks through all five and shares honestly which ones apply to your business.

Why fleet-based home services

Why I specialize here.

After 20+ years as a CFO across owner-led businesses, I kept running into the same problem: decisions getting made on incomplete numbers, and money hiding in places nobody had bothered to break out. When I looked at fleet-based home services specifically, I saw that problem at its sharpest — more trucks, more moving pieces, more room for a P&L to tell you one story while the real numbers tell you another.

What convinced me to specialize here is that businesses at this stage see impact faster than almost anywhere else I've worked. The gap between what an owner-operator can see and what a CFO can see is real, and closing it doesn't take years.

Here's what that looks like in practice

Three questions I'd ask you.

Sit with these for a second.

On your fleet
What did your least-utilized truck actually cost you last month — once you count insurance, maintenance, and downtime?
On your pricing
When's the last time you compared your pricing to what labor costs today — not what it cost when you set the price?
On your billing
How much work got done last month that never made it onto an invoice?
How it works

Three steps. Nothing to prepare.

No pricing conversation until you're ready to have one. Here's exactly what happens.

01
15 min · No prep · No pitch
Fit Call
A short conversation to see if this is worth either of our time. No pitch, no financials needed. You'll know by the end whether it's worth going further.
02
1 hour · Free
Discovery Call
If it's a fit, a deeper session where Tom digs into your actual numbers — and applies what he looks for first to your business specifically.
03
Delivered in 5–7 days · Yours to keep
Your Snapshot
A written diagnostic built from your actual numbers. Yours to keep either way — whether or not you decide to go further.
1
Fit Call
2
Discovery Call
3
Your Snapshot
Step 3 · If it's a fit

Once the Fit Call and Discovery Call are done, here's what shows up within 5–7 days — built from your actual numbers, not a template. Yours to keep either way.

CFO Growth Experts
Financial Clarity
Snapshot
Prepared for: [Your Business Name]
5 sections · Specific to your business
1
Cash position and 13-week outlook
Your cash flow benchmarked against similar businesses. Where you stand today — and what's arriving in the next quarter.
Enables: knowing what you can safely commit to in the next 90 days
2
Profitability by unit
P&L by truck, service line, or job type. Usually the first time an owner sees which units are carrying the margin — and which ones aren't.
Enables: knowing where to double down — and what to fix or cut
3
Your three highest-leverage moves
Three specific changes ranked by dollar impact — the highest-leverage moves in your business in the next 90 days.
Enables: a clear starting point that isn't guesswork
4
Your decision, modeled
The decision you brought to the call — new truck, fleet restructure, pricing change — modeled with your actual numbers.
Enables: a data-backed answer to the question you came in with
5
A clear next step
If there's a fit, a clear sense of what a next step could look like. No pressure, no obligation either way.
Enables: knowing where things could go, without any commitment
🛡  This document is yours to keep — whether or not you decide to move forward. No strings attached.
Who this is for

Built for one type of business. Specifically.

We work exclusively with owner-led home service companies operating their own fleets. If this is you, the financial complexity is real — and so is the recoverable margin.

Plumbing
HVAC
Electrical
Landscaping & Lawn Care
General Contracting
You are
  • $1.5M–$8M in annual revenue
  • 5 to 10 trucks, currently owner-managed
  • Family member or part-time bookkeeper on QuickBooks
  • Profitable on paper — but cash is tighter than the numbers suggest
You're facing
  • Bigger decisions — fleet, hires, expansion — without the financial model to back them
  • Revenue that's growing but profit that isn't keeping pace
  • A P&L that doesn't tell you which trucks, jobs, or service lines are actually profitable
The decision most of our clients are sitting on
You're weighing whether owning your fleet still makes sense — or whether a management company pencils out better. You've run some numbers. You're not confident you're running the right ones.
Who you'll work with

20+ years in the room. Talks like someone who's run one.

20+ years as a CFO across owner-led businesses. Tom has been across the table from buyers, lenders, and board members. He knows what clean financials look like — and the exact gaps at this stage that keep most businesses from being worth what they should be.

20+ years as a CFO, controller, and financial strategist across owner-led businesses
50+ companies advised through growth, capital raises, and complex financial transitions
$500M+ in capital advised and deployed across advisory engagements
Sits on the operator side — not the consulting side
Tom Schipper, Founder of CFO Growth Experts
Tom Schipper
Founder & Fractional CFO · CFO Growth Experts
20+
Years CFO experience
50+
Companies advised
$500M+
Capital deployed
"
My job isn't to give you more reports. It's to find the money that's already in your business and make sure every decision you make is one you can defend.
Common questions

Answered straight up.

No. The initial conversation is free — no card, no fee. We'd rather spend a short call finding the right fit than run unfocused calls. Either way, you leave with something useful.
No. The first conversation is a two-way discussion to see if it makes sense to go further — not a pitch.
Most people who reach out aren't sure yet. That's what the first conversation is for. If the answer is "not yet," Tom will say so.
No documents, no financials. Just a general sense of your revenue, truck count, and whatever decision is on your mind.
Your accountant looks backward — what happened, what to file. This looks forward — what to decide next.
That's more common than you'd think — and usually it's not that the person wasn't good, it's that the engagement started with a proposal instead of a real look at the numbers. This works backwards on purpose: a free conversation, a real look at your business, and you see exactly what's there before anything's decided.
Tom personally. That's why engagements are capped per week. The value is in talking to someone who's seen 50+ businesses at this stage, not a discovery rep.
Fractional CFO leadership

Clarity on your numbers. Not more reports.

A closer look at your business usually surfaces at least one thing you didn't know about your own numbers.

Accepting new clients — limited availability
Free initial conversation — no obligation Limited weekly capacity Tom Schipper personally Snapshot delivered in 5–7 days