Fractional CFO · Bookkeeping · Advisory

Keep more of what
you actually make.

Stop dreading looking at your bank balance.

For contractors & trades doing $500K+

Bookkeeping and CFO help built for contractors — so you know payroll is covered, you can buy the next truck without flinching, and you stop getting blindsided by tax bills.

Square Books fractional CFO team reviewing client financials
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SOUND FAMILIAR?

You're swinging hammers all week — and still not sure where the money's going.

We hear the same things from contractors and trades owners every week. If any of these sound like you, you're not alone — and it's fixable.

"We had our best year ever, but the bank account keeps shrinking."
"Payroll week keeps me up at night."
"I avoid opening QuickBooks because I don't know what I'll find."
"My CPA surprised me with a tax bill I wasn't prepared for."

We don't judge how your books look when you hand them over. Most are a mess. That's exactly when we do our best work.

Here's the thing — none of it is random. There are usually three or four leaks doing all the damage.

WHAT WE ACTUALLY DO

Real outcomes.
Not just clean books.

You don't need another stack of reports. You need to know payroll is covered, the next truck is paid for, and the tax bill won't blow up your year.

How it works
01

Know exactly where the money is going

See which jobs, trucks, and crews are actually making you money — and which ones are quietly bleeding you dry.

02

Sleep through payroll week

Always know cash is covered before Friday hits — no more refreshing the bank app on Thursday night.

03

Buy the truck. Take the week off.

Make big calls — new equipment, a hire, real time off — with confidence instead of a gut-check and a prayer.

Meet Square Books

Bookkeeping built for contractors who'd rather be on the jobsite.

We clean up the books, run the numbers, and sit down with you every month — in plain English — so you know payroll's covered, you can buy the next truck with confidence, and tax season stops being a surprise.

Get Your Free Financial Assessment
  • Payroll is covered

    Know cash is there before Friday — every Friday.

  • Buy equipment confidently

    Make the call on the next truck or hire without guessing.

  • Take time off

    Step off the jobsite without watching the bank app all week.

  • No tax-bill surprises

    Set aside the right amount as you go — not in April.

And once owners can finally see it clearly, things start to move.

THE SHIFT

Numbers don't lie. Neither do our clients.

Real contractors who stopped guessing — and finally got a clear picture of where the money was going every month.

Get Your Free Financial Assessment
+$50K

Cash flow gained in 10 months working with one client.

$30K

Debt paid off in under a year.

40+

Owners now running by the numbers.

What changed

From "I think we're doing fine" → to a clear monthly scorecard they actually read.

THE PARTNER

A partner in your corner — not just a bookkeeper sending PDFs.

Same small team every month. Real conversations about your jobs, your cash, and what to do next — in language that sounds like the jobsite, not a textbook.

  • 01Dedicated team for every client — known by name
  • 02Plain-English reports highlighting wins and opportunities
  • 03Annual goal setting + monthly scorecard reviews
  • 04Unlimited email access — no hourly meter ticking
Learn how we work

Revenue isn't profit. The difference between busy and profitable is knowing where every dollar goes.

Joseph Shawver
Founder · Fractional CFO

Industries we know well

Built for the trades, service businesses, and the nonprofits behind them.

Nine years inside HVAC, plumbing, contracting, and field-service books. We already know the seasonality, the job-cost quirks, and where the margin actually hides. You won't have to translate your business for us.

  • HVAC companies

    Untangling install vs service margin and seasonal cash dips.

  • Plumbing businesses

    Truck-roll costs, on-call labor, and parts markup that actually holds.

  • General contractors

    Job costing, retainage, and draws that tie cleanly to QuickBooks.

  • Trades & specialty crews

    Electricians, landscapers, roofers, carpenters — crew-level profitability.

  • Service-based businesses

    Recurring revenue, tech utilization, and pricing that protects margin.

  • Nonprofits

    Restricted funds, board-ready reports, and a clean Form 990.

Run something different? If you're a service-based owner doing $500K–$10M, the patterns rhyme. Ask us on your free call.

What clients say

Earned trust from the owners who count on us.

5.0

Based on verified Google reviews

I highly recommend Square Books for your bookkeeping needs. Whether you have a large business or are an independent contractor like myself, Joe will prioritize your needs. He's hard working, organized and always willing to help you take necessary steps to improve your business.

MC
Matt Carrasquillo
5 months ago · Google review

Square Books has been doing our corporate books/accounts for several years. They are outstanding! Detail driven; responsive; and of the highest integrity. I would recommend without reservation.

CW
Christopher Wells
6 months ago · Google review

Joseph is the best! From the first moment I spoke with him I could tell that he is an expert. He saved me a ton of money, and I highly recommend him!

MC
Matthew Cancino
a year ago · Google review

Ready to stop guessing where the money is going?

Two years of your numbers, reviewed by a fractional CFO — no obligation, no sales pressure.

Get Your Free Financial Assessment

A note from Joseph

Why I started Square Books.

I grew up watching and working alongside small business owners — good people, hard workers — get blindsided by their own numbers. They'd have a great year on paper and still not be able to pay themselves.

That gap between working hard and actually getting ahead is what Square Books exists to close. No long contracts. No jargon. No partner buried six layers above you who's never seen your file.

When you work with us, you get me, the same small team every month, and a real conversation about what your numbers are telling you. That's it. That's the whole pitch.

If your gut says it's time to stop guessing, send a note. We answer every one personally — usually within a day.

Joseph Shawver
Founder · Fractional CFO · Nelson, NH

THE NEXT STEP

Ready when you are

Good sales but no cash?

See where your money actually goes. Two years of your numbers, reviewed by a fractional CFO — completely free, no obligation.

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