Mulch and Soil CFOFractional CFO services for mulch, soil & aggregate producers.
You know how to grind, screen, blend and deliver. Your fractional CFO makes sure the numbers keep up: margin by product, cash through the off-season, and a clean story for your bank.
Illustration only, not client data. Spring pays for the year, but payroll, equipment notes and feedstock bills don't take the winter off.
See how it works before you book a call.
A short walkthrough of what a fractional CFO does inside a mulch, soil or aggregate yard.
Busy season is not the same as a profitable season.
The loaders are running, the trucks are out, and the phone doesn't stop. Then March invoices for feedstock, fuel and equipment payments land at once, and the bank balance tells you nothing about which products actually make money.
Most yards run on a bookkeeper who records what happened and a gut feel about what a cubic yard really costs. That works until you want to price a new product, replace a grinder, add a truck, or ask a bank for a line of credit.
A fractional CFO turns your books into decisions: what to charge, what to stock, what to borrow, and when.
CFO strategy first. Clean books underneath.
Fractional CFO for yards
Forward-looking financial leadership for your yard: where cash will be, what each product really earns, and what you can afford to buy.
Yard bookkeeping
Optional. Monthly books set up around how a yard earns, so the CFO work rests on numbers you can trust. Already have a bookkeeper? We work with them.
What your fractional CFO does for your yard.
Forward-looking financial leadership built for bulk materials. We can keep the monthly books too, so one team is accountable for your numbers. We don't prepare tax returns; your CPA stays your CPA.
Seasonal 13-week cash forecast
See the winter cash gap months before it arrives. We plan payroll, loan payments and spring feedstock purchases against real expected sales, not hope.
Margin by product, per cubic yard
What does a yard of dyed mulch, screened topsoil or washed rock really cost you, and what does it earn? We build the costing so pricing stops being a guess.
Feedstock and stockpile accounting
Wood waste, tipping fees, raw material and finished piles tracked in a way your books and your lender can both follow, including shrink and moisture swings.
Delivery and trucking profitability
Is delivery a profit center or a favor to customers? We measure cost per load and per mile so your delivery charges cover what they should.
Equipment and debt decisions
Grinder, screener, loader or truck: lease, buy or wait? We model the payback and the cash impact before you sign anything.
Bank-ready reporting
Clean monthly financials, a credit line strategy and the package a lender wants to see, so growth capital is a conversation you lead.
Three ways to work together, one clear path.
Not every yard needs a full engagement on day one. Begin with the step that fits, and grow into the next one.
Strategy session
A free 30-minute call to review your yard, your products and your biggest cash or margin question. You leave with a clear next step, whether or not we work together.
Build the system
We review your numbers, set up product costing by cubic yard and deliver your first seasonal cash forecast, so you have a financial system you can steer by.
Ongoing fractional CFO
A monthly CFO strategy call, an updated cash forecast and between-call access for pricing, purchasing, equipment and lender decisions as your yard grows.
Four things you'll know that you don't know today.
What each product earns
Real margin on mulch, topsoil, compost and rock, so you push what pays and reprice what doesn't.
Where cash will be in 90 days
A rolling forecast built around your season, with the winter gap planned instead of discovered.
What you can afford to buy
A clear yes or no on the next machine, truck or expansion, backed by a model instead of a feeling.
How to talk to your lender
Financials that are current, consistent and organized the way a bank expects them.
Hear it from yard owners.
Individual results vary. Client stories are not a guarantee of future performance.
A generalist will ask what a cubic yard is. We won't.
Bulk materials have their own accounting quirks: selling by the yard but buying by the ton, piles that swell and shrink with weather, commercial accounts on terms, and a business that earns most of its profit in a few months.
Our fractional CFO works inside a mulch, soil and topsoil operation every day. You get that experience applied to your yard, without hiring a full-time executive.
What the books usually miss
A P&L built for how yards actually make money.
A standard profit and loss lumps bulk, bagged goods, delivery and installs into one revenue line, then buries fuel, freight and labor in overhead. You can't price from that.
The Yard P&L separates product lines and the true cost of producing and delivering each one, so you can see what a yard of mulch or a pallet of bags earns after everything it takes to get it out the gate.
Topsoil and blends
Compost
Sand, gravel and aggregate
Bagged goods
Delivery charges
Colorant and additives
Bags, pallets and wrap
Production labor, fuel and equipment
Inbound freight
Truck fuel, tires and maintenance
The six numbers every yard owner should see every month.
Your monthly scorecard translates the books into the metrics that drive yard decisions.
Gross margin per yard
Margin per cubic yard or ton, by product line, after feedstock, labor and fuel.
Delivery cost per load
What each load really costs to run, compared with what you charge for it.
Yield and shrink
How much finished product you get from each unit of feedstock, and what is lost to settling and screening.
Days of inventory
How much cash is sitting in piles and pallets, and how fast it turns.
Off-season cash low point
When your cash bottoms out and how deep it goes, forecast weeks ahead.
Equipment payback
What each loader, truck or screener returns against its payment and operating cost.
Free: the Yard P&L template
See how to split your own numbers by product line. [Replace with a download link once your template is ready.]
From first call to a CFO running point.
No mystery pricing and no long onboarding. Here is exactly what happens.
Free 30-minute consultation
We talk through your yard, your products, your books and what keeps you up at night. If we're not a fit, we'll say so.
Scope built around your yard
We propose a flat monthly scope based on what we heard, not a menu of packages. Pricing comes after you've seen exactly what's included.
Financial review and product costing built
We review your books, fix what's off, set up the chart of accounts to track yards, products and delivery, and map your costs by product line.
Your first CFO briefing
You receive a seasonal 13-week cash forecast, a margin-by-product view and a short list of the fixes that will move profit the most.
Monthly rhythm
Financials land, the forecast is updated, and we meet to look forward: pricing, purchases, cash and the next season.
Flat monthly fee. No hourly billing, no surprises.
You pay one predictable monthly amount, so you can ask the question without watching a clock.
Financials and scorecard
Monthly statements and your Yard Metrics scorecard delivered on a fixed schedule.
CFO strategy call
Review performance, update the cash forecast and agree on the next moves.
Season planning
Pre-season budget, pricing review and purchasing plan so you hit spring ready.
Between-call questions
Quote a big job, price a load, vet an equipment deal. Ask before you commit.
Built for owner-led yards and producers. Honest about who we're not for.
A strong fit
Probably not a fit
Meet Jordan Comfort.
I started in public accounting, then spent years as an accounting manager and fractional CFO. My last client grew past $20M in yearly revenue while I ran their books, forecasting and reporting end to end.
Businesses that move material live and die by seasonality, inventory and equipment costs. I bring CFO-level planning to owners in this space, so you know your cash, your margins and your next move before the season turns.
Certified QuickBooks expert in QuickBooks Online, Desktop, Workforce and Intuit Enterprise Suite. I also run Mulch & Soil Producers USA, an online community for producers in this industry.
Questions yard owners ask first.
What does a fractional CFO do for a mulch or soil yard?
They own the forward-looking financial picture: cash forecasting, product margins, pricing, equipment and debt decisions, and lender-ready reporting. You get that leadership for a fraction of what a full-time CFO costs.
How is a fractional CFO different from a bookkeeper or controller?
A bookkeeper records what happened. A controller makes sure it is recorded correctly and on time. A CFO looks forward: what to charge, what to buy, how much cash you'll need and how to get it. Fractional means you get that role part-time, sized to your yard.
Do you also do the bookkeeping?
CFO work is the core service. If you need the books kept too, we can take that on, so the numbers and the strategy come from one team. If you already have a bookkeeper, we work with them.
Do you handle taxes?
No. We don't prepare or file tax returns. We coordinate with your CPA and give them clean books to work from.
Which accounting software do you work in?
We work in QuickBooks and can adapt to the system you already use. We'll talk through your setup on the consultation call.
How is pricing set?
A flat monthly fee built from what we learn on the consultation call. You see the scope first, then the price, and there is no hourly billing.
Can you work with a yard outside the Seattle area?
Yes. Everything runs remotely, and we work with producers and yards across the country.
Ready to scale your yard beyond guesswork?
Apply for a free 30-minute strategy session. We'll look at where your yard stands and tell you honestly whether a fractional CFO would help.
Prefer to call? (206) 627-0562