Helping Growing Contractors Build the Financial Foundation for Profitable Growth
John M. Fullmer, Jr. helps construction company owners improve cash flow, protect profitability, develop more useful financial reporting, strengthen banking relationships, and position their companies for increased bonding capacity.
His role is not to replace your bookkeeper or CPA. He complements them by providing experienced, executive-level financial leadership for management decisions, growth planning, and financial risk.
What Better Financial Leadership Can Accomplish
More Predictable Cash Flow
Improve visibility into short-term liquidity, working-capital demands, and the timing of cash needs.
Stronger Profitability
Identify margin trends, overhead pressure, and project-performance issues before they become larger problems.
Better Decisions
Give management clear, timely financial information instead of relying only on historical accounting reports.
Greater Financial Credibility
Strengthen the financial presentation supporting banking relationships, surety confidence, and bonding objectives.
John’s Philosophy
“You cannot solve a problem until you properly define it.”
Every contractor operates differently. Before recommending solutions, John takes the time to understand how the company works, how management makes decisions, and which financial issues matter most to its objectives. Only then are priorities established and practical strategies developed.
About John
John M. Fullmer, Jr. has worked on every side of the contractor–surety relationship—as a construction CFO, a surety underwriter, a surety claims manager, and a financial advisor. This uncommon perspective allows him to understand both how contractors operate and how banks and sureties evaluate financial strength, reporting credibility, and risk.
The core of John’s career was built in demanding construction environments, including Wagman, Inc. and Charter Homes, where he managed financial strategy, banking relationships, cash flow, and complex project portfolios. He understands that financial reports are not simply accounting records; they are management tools and the foundation of credibility with lenders, sureties, and business partners.
At Aegis Security Insurance Company, John served as both a surety underwriter and claims manager. He evaluated contractor financial strength, supported bonding decisions, and directed the investigation and resolution of payment and performance bond claims. That experience gave him both a front-end and post-mortem view of construction risk.
Through Fullmer Finance, LLC, John provides calm, practical, and integrity-driven financial leadership to contractors facing growth, transition, financial complexity, or increased demands from banks and sureties.
Services
Fractional CFO & Strategic Financial Advisory
- Executive-level financial guidance for owners and management
- Monthly financial review and management reporting
- Cash-flow planning and 13-week forecasting
- Growth planning and financial decision support
- Senior financial leadership without full-time overhead
Cash Flow, Working Capital & Profitability
- Short-term cash-flow forecasting and liquidity planning
- Working-capital analysis supporting current operations and growth
- Project and company-wide profitability analysis
- Overhead review and margin improvement opportunities
- Early identification of cash-flow pressure and margin fade
Banking, Bonding & Financial Readiness
- Strengthening financial presentation to banks and sureties
- Evaluation of financial factors that influence bonding capacity
- Support for management discussions with lenders and surety partners
- Identification of reporting weaknesses that affect confidence
- Financial strategy aligned with larger projects and growth objectives
Financial Assessment & Risk Advisory
- Focused review of financial reporting, WIP, backlog, and cash flow
- Evaluation of cost-to-complete assumptions and project risk
- Assessment of internal controls and financial visibility
- Prioritized recommendations tailored to management’s objectives
- Independent perspective during growth, transition, or financial stress
Who John Works Best With
Growing Contractors
Construction companies, often in the $5 million to $50 million revenue range, that are outgrowing their existing financial processes.
Larger Work & Bonding Goals
Contractors pursuing larger commercial, institutional, public, or bonded projects that place greater demands on financial strength and reporting.
Owners Seeking Better Decisions
Management teams that value candid advice, financial discipline, and executive leadership without hiring a full-time CFO.
Why Contractors Work with John
Construction CFO
Led financial strategy, cash flow, banking, reporting, and management decision support inside construction companies.
Surety Underwriter
Understands how contractor financial information is evaluated when bonding decisions and limits are considered.
Surety Claims Manager
Has seen how financial and operational warning signs develop—and what happens when they are missed.
Strategic Financial Advisor
Brings the perspectives together to help owners make better decisions and build stronger companies.
How John Works
Articles & Insights
Defining the Real Problem
Why contractors, bankers, CPAs, and sureties may all be looking at the same company but trying to solve different problems.
Read John’s LinkedIn insights →Financial Reporting & WIP Integrity
How reliable cost-to-complete estimates, project visibility, and disciplined reporting support better management decisions and financial credibility.
View recent posts →Growth, Cash Flow & Bonding
Why profitable growth can still strain liquidity—and how stronger financial leadership can support banking and bonding objectives.
Explore John’s perspective →Frequently Asked Questions
What does a Fractional CFO do for a construction company?
How is John’s role different from a bookkeeper or CPA?
How can John help support increased bonding capacity?
Does every contractor need a formal WIP schedule?
What size contractor is the best fit for Fullmer Finance?
Can John work with contractors outside North Carolina?
How does an engagement begin?
Professional Resources
Capability Statement
A concise overview of Fullmer Finance, core services, experience, and areas of focus.
Download Capability Statement (PDF) →Executive Biography
John’s construction finance, surety underwriting, claims, and advisory background.
Download Executive Biography (PDF) →Articles & Insights
Thoughts on construction finance, WIP integrity, cash flow, bonding, and defining the real problem.
View Articles & Insights →Request an Introductory Conversation
John M. Fullmer, Jr.
Fullmer Finance, LLC
Southport, NC 28461
Phone: (717) 309-2600
Email: john@FullmerFinance.com
LinkedIn: linkedin.com/in/fullmerfinance