Wilson Consulting

Fractional CFO services

Know your numbers. Run on them.

Wilson Consulting gives owner-operated businesses a CFO for a few days a month, from someone who owns and runs companies of his own. You get clean financials, a clear read on where the money is going, and someone to think through the big decisions with.

Start a conversation See what's included

Services

The finance work most small businesses never get to

Your bookkeeper records what happened. Your CPA files the return. A fractional CFO sits between them and tells you what the numbers mean and what to do next.

Monthly financial review

A board-style review of your P&L and balance sheet each month: what changed, why, and what needs your attention before it becomes a problem.

Job costing and WIP

Job-level profitability and work-in-progress reporting for project-based companies, so you know which jobs make money while they are still open.

Cash flow and forecasting

A forward look at cash and a year-end forecast that is updated monthly, so payroll, equipment, and tax bills never arrive as a surprise.

Owner distributions

A cash-based plan for what the owners can safely take out and when, coordinated with your CPA's tax planning.

Growth and acquisition analysis

Run the numbers before you add a crew, buy a truck, take on debt, or buy another company. Then decide with the downside in view.

Financing and lender readiness

What you can borrow, what it will cost, and what a lender will want to see, worked out before you ask.

Liquidity and strategic analysis

For larger companies: liquidity planning, debt capacity, and strategic analysis behind the big decisions.

Exit planning and M&A support

Preparing the numbers to sell, or checking them before you buy, working alongside your attorney and CPA. Learn more.

Systems cleanup

QuickBooks, payroll, and expense tools set up so the reports come out right the first time and month-end takes days, not weeks.

Who I work with

Businesses where the owner still knows every job

Most clients are past the startup stage and too small for a full-time CFO. They share one thing: the owner is making real decisions with numbers they don't fully trust yet.

Construction and trades

Builders, remodelers, and specialty contractors who need job costing and WIP they can believe.

Waste and recycling

Haulers and operators, with routing and operations experience behind the financial advice.

Field service companies

Tree service, excavation, septic, and other crew-based businesses with equipment to pay for.

Churches and nonprofits

Budgets, reporting, and operations for organizations that answer to a board and a mission.

About

Zach Wilson

I am a business owner first. I co-own and help run companies in construction, tree service, and waste consulting, and I operate a farm. Fractional CFO work grew out of doing the finance job inside those businesses.

Before that I spent seven years at Republic Services, starting as an analyst and finishing as an area routing manager. That is where I learned to tie what happens in the field to what shows up on the financial statements.

Clients get the same work I do in my own companies every month. I know what it is like to make payroll, and I give advice I would follow with my own money.

Businesses I co-own and help run

Refine Homes

Co-owner and CFO

Construction company. I run the finance side: job costing, work-in-progress reporting, forecasting, and owner distributions.

Three Pines & Co

Co-owner

Tree service. I handle the monthly financial review and the planning behind crews, equipment, and growth.

Waste Streams Consolidated

Co-owner

Consulting for the waste industry. We help haulers improve routing and operations.

Abide Farm

Owner-operator

A rotational grazing farm raising cattle and sheep in Minnesota lakes country.

  • EducationB.S. in Finance, Pepperdine University
  • CorporateSeven years at Republic Services, analyst to area routing manager
  • NonprofitOperations Manager, Lakes Area Vineyard Church, Detroit Lakes, MN
  • Based inWest-central Minnesota, working with clients on site and remotely

How it works

Three steps to a monthly rhythm

  1. Talk

    A short call about your business, what is keeping you up at night, and whether I am the right fit.

  2. Look at the books

    I review your financials and systems, then tell you plainly what I see and what I would fix first.

  3. Meet monthly

    We settle into a regular review. You get the reports and a working session on what to do with them.

Contact

Let's look at your numbers together.

Send a note with a little about your business. I reply personally, and the first conversation costs nothing.

Email Zach zach@zwilsonconsulting.com 218-850-7555