Build the financial infrastructure to understand, manage, and grow your business — three programs, one ladder: understand it, fix it, then run it through growth.
Nuts & Bolts is a six-week working cohort built specifically for small contractors. You will learn how money moves through your business, what your financial operating system needs to include, and how this gives you the critical financial insights you need to manage and grow your business.
This is not a class you simply sit through. You will work with your own business information and leave with a practical financial framework built around the realities of contracting.
Participants who complete the program earn M2M's Financial Fundamentals for the Skilled Trades certificate and leave with a customized framework for their own contracting business.
Nuts & Bolts is designed for small contractors who are already operating a business but want greater command of their numbers.
It may be a good fit if:
You do not need an accounting background. You do need to be willing to work with your own numbers and participate actively throughout the program.
Nuts & Bolts takes place over six weeks in a small cohort of fellow contractors.
The program combines:
By the end, you will understand the financial structure of your business and have a clear path toward building a financial operating system you can use and maintain.
We ask all participating contractors to pay a cost recovery fee. Financial assistance is available — please ask us to learn more.
Tell us about your business and what you want greater control over. M2M will speak with you to determine whether Nuts & Bolts is the right starting point — or whether your business first needs another type of support.
Break Fix is a defined, project-based engagement that brings your financial operating system up to date.
M2M begins by auditing how financial information moves through your business. You receive a written report explaining what is working, what is missing, and what needs to be fixed. We then complete an agreed-upon cleanup or setup so you leave with an organized, current system built around your contracting business.
Break Fix is an operational review, not a CPA audit, tax service, or legal review.
Break Fix is only available to Nuts & Bolts graduates. If you haven't completed Nuts & Bolts yet, start there — it's where most contractors begin.
From there, Break Fix may be right for you if:
You do not need to know exactly what is wrong. The audit is designed to identify that.
The Financial Operating System Audit takes about one week. The Cleanup or Setup that follows ranges from three to six weeks, depending on the size of your business.
M2M is software-agnostic. We offer our own M2M Financial Operating System, built specifically for small contractors. The M2M team is also proficient in other software programs like QuickBooks Online, QuickBooks Desktop, and Wave.
Break Fix uses a sliding-scale fee based on the size and complexity of the business, the support required, and the contractor's ability to pay. M2M will agree on the monthly contribution and any need-based payment plan.
Inability to pay the full cost should not be a barrier to receiving support. We ask every participating contractor to contribute an amount appropriate to their circumstances.
Tell us what is happening with your books and financial systems — even if all you know is that something is not working. M2M will determine whether Break Fix is the right service and explain what is needed to begin.
Scaffold is a temporary managed service that helps you operate and use your financial system while your business grows.
M2M works alongside you to keep the system current, produce reliable financial information, and turn that information into practical business decisions. Rather than handing you a system and walking away, we help you use it through the real financial demands of running a contracting business.
Support is customized to the needs of your business and may include:
M2M tracks progress in three areas: financial-statement readiness, project cash-flow control, and business cash-flow management.
Scaffold is only available to contractors who have completed both Nuts & Bolts and Break Fix. If you haven't finished one or both yet, start with Nuts & Bolts or Break Fix.
From there, Scaffold may be right for you if:
Scaffold requires active participation. M2M helps operate the system with you, but the contractor remains responsible for understanding and using the information.
Scaffold lasts at least 3 months. The length depends on the business and its stage of growth.
The service combines ongoing system maintenance, regular financial reporting, and individual working sessions with M2M. Progress is reviewed throughout the engagement so both M2M and the contractor understand what has been established and what still needs support.
Scaffold uses a sliding-scale fee based on the size and complexity of the business, the support required, and the contractor's ability to pay. M2M will agree on the monthly contribution and any need-based payment plan.
Inability to pay the full cost should not be a barrier to receiving support. We ask every participating contractor to contribute an amount appropriate to their circumstances.
M2M will review your financial operating system, current business needs, and readiness for ongoing support. If Scaffold is the right fit, we will define the scope, expectations, timeline, and monthly fee before beginning.
Network Connections is the other side of the model — introductions to lenders and buyers, once your numbers can back them up.