Profit & Equity

Call Directions Website

Profit & Equity Your business deserves more than clean books. It deserves a financial strategy. Get started now by scheduling a Clarity Session!

Profit & Equity brings CFO-level thinking to small and mid-size businesses, so you can start growing. We work with businesses to align their cash flow with their business goals and increase their profitability. With this, we offer profitability bookkeeping as well and manage the financial goals and strength of the business with clear cash flow and profit objectives that we build with our clients. Get our FREE guide to Build Profitability in your biz now!

09/30/2026

Are you constantly struggling with cash flow even when jobs are moving on schedule? Here is a big mistake many contractors make: paying subcontractors 100% of their invoice the second a phase is finished, while the project owner is still holding back 10% retention from you.
When you do this, you are using your own money to cover the owner’s risk while your sub walks away fully paid.
Here is how to fix it:Add pay-when-paid clauses to your subcontractor contracts. Match retention rates—if the owner holds 10% from you, hold 10% from your sub until final closeout.
Stop draining your company's bank account to cover everyone else's risk.
Ready to get control of your business cash flow? Book a consult with Profit & Equity today!

09/21/2026

Late payments aren't just annoying—they actively cost you money. Waiting 45 days locks up working capital, forcing you onto credit lines and causing you to pass on profitable new jobs. If your contracts don't have stop-work clauses or late fees, you're letting clients borrow your money for free.

How to protect your cash flow:
Set automated reminders: Send follow-ups instantly.
Add late penalties: Put strict fees in your contracts.
Pull crews off-site: Stop work if the check isn't there.
Respect your cash, or nobody else will.

DM us or visit profitandequity.com to fix your cash flow today!

09/15/2026

When a client pays 45 days late, it’s not just an inconvenience—you are actively losing money.

While waiting on cash, you’re forced to pull from credit lines, stretch vendor terms, or pass up profitable new jobs because your working capital is locked up. Without strict late fees and stop-work clauses in your contracts, you are letting clients use your money for free.

Take back control of your cash flow:

Formalize your collection system: Establish clear, repeatable steps for every invoice.

Set automated reminders: Send automated alerts before and after due dates.

Build penalties into contracts: Add non-payment penalties and clear terms to your specs.

Protect your crews: Do not hesitate to pull your team off the job site if the check hasn't arrived.

Respect your cash, or nobody else will. 🛠️💵

Ready to stop chasing checks and fix your cash flow? Book a consult with Profit & Equity today!

Big top-line revenue feels great, but profit is what actually keeps your doors open. As we wrap up Q3, it is time to loo...
09/08/2026

Big top-line revenue feels great, but profit is what actually keeps your doors open. As we wrap up Q3, it is time to look at what truly made you money—and what just wasted your crew's time and cash.

Take five minutes to review your numbers:

Which jobs gave you the highest margins?

Where did unexpected costs leak out?

What systems need to be tightened before year-end?

Q4 is not about working harder or taking on bad jobs. It is about taking your Q3 lessons and making decisions based on real financial data. 🔨📊

What is the biggest lesson Q3 taught your business? Drop it in the comments below!

Most contractors think credit is strictly personal, but in construction and trades, your business credit controls your g...
09/02/2026

Most contractors think credit is strictly personal, but in construction and trades, your business credit controls your growth. It dictates whether supply yards give you 30-day terms on materials or if lenders fund your next equipment purchase.

Building strong business credit comes down to 5 core habits:

Keep personal and business money strictly separate

Set up dedicated business banking and credit accounts

Pay material suppliers and creditors on time

Keep accurate, up-to-date books every single month

Monitor your business credit report regularly

Good bookkeeping isn't just for tax season—it builds the clear financial proof lenders need to help you scale.

Visit www.profitandequity.com to see how CFO advisory and bookkeeping give your business real leverage.

Don't let tax-time headaches derail your job sites. The end of the year moves fast when you're busy managing crews, mate...
08/26/2026

Don't let tax-time headaches derail your job sites. The end of the year moves fast when you're busy managing crews, materials, and active builds. Getting your finances straight now means zero panic when December hits.

Save this Q4 checklist to keep your cash flow tight and your books clean:

Clear the board: Reconcile your bank accounts and credit cards.

Track the money: Catch up on unpaid bills and chase down open invoices.

Verify the team: Double-check payroll and tax records before year-end.

Protect cash flow: Review your budget so you know exactly where you stand.

Which item on this list do you usually leave until the last minute? Drop a comment below! 🛠️👇

08/20/2026

Are you accidentally spending your profits before you earn them? 💸

In construction, that 5–10% withheld retention is supposed to be your net profit. Mixing it into your daily checking account means spending it on overhead before project completion.

Make this 1 operational shift:

Set up a dedicated savings account for retention receivables.

Slide the retention portion over the moment you cut an invoice.

Keep your true operating cash visible and protect your bottom line. 📊

👉 Ready to transform your cash flow? Book a consult with Profit & Equity today at profitandequity.com

08/20/2026

Your business isn’t dying from a lack of work—it’s dying from a lack of cash. 💸

Landing massive new contracts feels like a huge win... until you have to cover crew payroll, mobilize heavy equipment, and buy bulk materials weeks before your first progress invoice is paid.

Growth spikes without a solid cash runway will choke your operations. Remember:

👉 Revenue is vanity. Cash flow is sanity.

Before signing that next big contract, make sure you have a rolling 30-day cash forecast to guarantee you can actually afford the upfront costs.

Is your business making a real profit—or just generating sales? ☕️📈August is the ideal time for a mid-year check: you ha...
08/17/2026

Is your business making a real profit—or just generating sales? ☕️📈

August is the ideal time for a mid-year check: you have full H1 data, and there's still plenty of time to pivot before year-end.

Swipe through to run your business through 5 quick diagnostic questions. Did your numbers give you an "Oh good" or an "Oh no"?

Small adjustments today create stronger results by December.

👉 www.profitandequity.com

Is your payroll actually helping your business grow—or is it secretly draining your profits? 💸Too many business owners t...
08/14/2026

Is your payroll actually helping your business grow—or is it secretly draining your profits? 💸

Too many business owners think cutting payroll is the fastest route to higher margins. But blindly slashing costs usually leads to overworked teams, high turnover, and lower productivity.

Swipe through to bust these two major payroll myths:

❌ Myth 1: Lower payroll always means higher profits.

❌ Myth 2: Payroll is just another expense.

The Reality: Payroll isn't just an expense line—it's an investment in the people who generate your revenue. Winning businesses don't focus on having the cheapest payroll; they focus on having the right payroll tied directly to productivity and profit.

Address

Assonet, MA
02702

Opening Hours

Monday 6am - 5pm
Tuesday 8am - 5pm
Wednesday 9am - 6pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 12pm - 4pm

Telephone

+15088216667

Website

Alerts

Be the first to know and let us send you an email when Profit & Equity posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category