You’re winning contracts, managing crews on-site, and materials cost more every month. But when you look at the bank account at the end of the week, the numbers don’t match the hard work you put in.
If you recognize these signs, it’s time for a Virtual CFO:
Traditional accountants look backward to file tax returns. Your WE Accounting Virtual CFO looks forward to act as the financial co-pilot your trade business has been missing.
Job Costing & Real Margin Analysis: We deep-dive into your project management software (like Fergus, Tradify, or Buildertrend) and hook it up to Xero. We’ll show you exactly which jobs make money and which ones are leaking cash.
Proactive Cash Flow Forecasting: No more guessing games. We build dynamic 30, 60, and 90-day cash flow maps so you can plan for materials, wages, and IRD obligations weeks before they are due.
Overhead & Labor Efficiency Tracking: We help you calculate your true hourly burn rate, ensuring every apprentice and qualified builder on your site is driving profitability.
Capital & Equipment Planning: Thinking of financing a new fleet of vans or investing in heavy machinery? We build the scenario models first so you make expansion decisions with absolute certainty.
We had an awesome experience working with Navi from We Mana Accounting. He was incredibly helpful and created such a relaxed and welcoming environment, which made it easy for us to open up and share our journey.
I've been working with We Mana for the last four and a half years, engaging them in accounting services in my interior design business. They have consistently provided excellent service allowing me to focus on building my business.
The team at WE Mana have been nothing but absolutely amazing to work with. Melissa and Aliitasi are efficient and patient with my never ending questions. They are there to genuinely help you with your business. Highly Highly recommend!
We have been with WEMana for a couple of years now and our experience has been outstanding. The information and communication we receive is so much more than we have asked for. The staff are so helpful and queries are dealt with immediately.
Not at all. We are completely flexible. If you have an existing accountant you love for your end-of-year tax returns, we can step in purely as your strategic, forward-looking Virtual CFO. However, because WE Accounting is a full-service Xero Platinum firm, most tradies find it much cleaner and cheaper to move everything under one roof with us.
We implement dynamic live job costing tracking. By linking your job management software (like Tradify, Fergus, or Buildertrend) directly with Xero, we track your actual material expenses and subbie bills against your original quotes in real time. If material price spikes are eating your margins, we catch it on week one, not nine months later at tax time.
Yes, this is one of our core focus areas for construction businesses. Retentions can easily trap your working capital if not tracked correctly. We set up separate retention tracking mechanisms and build an automated 30/60/90-day cash flow forecast. This ensures you always know exactly how much cash is truly yours, what belongs to the IRD (PAYE, GST, Provisional Tax), and what is tied up in retentions.
This is what we call the "Tradie Trap." It usually happens because your cash is trapped in raw materials, unpaid invoices (accounts receivable), or under-quoted overhead costs. A VCFO runs a deep cash-conversion cycle audit to find exactly where your cash is leaking and sets up hard processes to get that money back into your bank account faster.
Typically, if you are a solo operator, standard accounting is all you need. But once you hit $1M+ in revenue or scale to a team of 5+ staff/subbies, your financial risk grows exponentially. That is the sweet spot where a VCFO provides a massive return on investment by protecting your margins and helping you scale safely.