Contractor Vise Shield™
Financial Early Intervention for Contractors, Before the Vise Closes.
Bring Randall in while you still like the credit.
Financial Firefighter™
YOUR CONTRACTING BUSINESS MAY BE HOLDING MORE MONEY, AND MORE RISK, THAN YOU THINK.
Cash. Retainage. Receivables. WIP. Change orders. Equipment. Working capital. Capital options. Recoveries. Margin leakage. Opportunities hiding in plain sight.
Find It. Fix It. Fortify It.™
Find The Money™
The money you can't see may be the money that matters most.
Business Continuity Navigator™
What Happens If the Contractor Who Knows Everything Can't Answer the Phone Tomorrow?
The people you love should not have to become detectives.™
Contractors Don't Usually Get Crushed by One Problem.
They get squeezed.
- Payroll and material commitments continue whether the customer has paid or not.
- Retainage ties up cash.
- Receivables stretch.
- Change orders can be performed before they are approved or collected.
- WIP can hide deteriorating project economics.
- Equipment consumes cash whether it is productive or idle.
- Bonding and bank capacity depend on financial strength.
- Margins can disappear long before the year‑end financial statements make the damage obvious.
That is the vise.
The Financial Firefighter™ position is not to wait until the contractor is already in workout, restructuring, Special Assets, or formal turnaround. The goal is to intervene while the owner and banker still have choices.
The money you can't see may be the money that matters most.
FIND THE MONEY™ challenges owners and their advisors to look differently at the financial resources already surrounding a business.
For contractors, that can mean looking beyond sales and the bank balance to the places where cash, value, capacity, recoveries, contractual rights, equipment value, working capital, or financial leakage may be hiding.
If you had to find $500,000 inside your company in the next 30 days, and you weren't allowed to solve the problem by adding another customer, where would you look?
Parent Care Navigator™
Important information. When it's needed most.
Preparation Is An Act Of Love.™
Built From the Side of Business Nobody Wants to Reach.
Randall Turner, MBA spent years working around companies under financial and operational pressure, seeing what happens when cash tightens, lenders become concerned, options shrink, and management waits too long to confront problems.
That experience now informs a different mission: use the lessons learned from difficult business situations to help contractors recognize trouble earlier and preserve options before a turnaround becomes necessary.
The value of turnaround experience is greatest when you can use it before the turnaround.
I Learned This at 15.
What could my father have left behind that would have made my mother's life easier? Not another legal document. A roadmap.
When Randall Turner's father died suddenly, Randall's mother, a schoolteacher, was left facing an oil business she had never expected to operate or liquidate. Critical knowledge lived largely inside people's heads.
Randall was pulled out of school for approximately six weeks because, even at 15, he was one of the few people who knew enough about the operation to help. His mother was grieving while simultaneously confronting business and financial decisions she had never expected to make.
That question eventually became
Business Continuity Navigator™.
Speaking
Put the Financial Firefighter™ on Your Stage.
A business presentation shouldn't end when the applause stops.
- Would you sell a $1 million receivable for $825,000?
- Can receiving a $1 million grant create a cash‑flow problem?
- What happens when 50 pieces of equipment sit idle?
- What does an unapproved change order really cost when cash is already tight?
- How much working capital is trapped in retainage and slow collections?
- If you disappeared from your company for 30 days tomorrow, what breaks first?
Podcast & Substack
FIND THE MONEY™,
The Conversation
The book asks the questions. The podcast explores them. The newsletter keeps the conversation going.
- 30+ Years Business Experience
- Holds an MBA
- Turnaround Experience
- Capital Strategy
- Author
- Speaker
- Stronger Borrowers
- Healthier Communities
- A More Stable Tomorrow
“I'm not here to take the loan. I'm here to help keep your borrower bankable.”
For Commercial Bankers
Help Keep
a Good Contractor From Becoming a Problem Credit.
Give your contractor clients a resource that can help them identify financial pressure early, uncover overlooked money and strengthen their business, before a turnaround, workout or repossession becomes necessary.
Financial Firefighter™ and Contractor Vise Shield™ are positioned to work alongside the contractor's existing bank, CPA, attorney, surety, and other professional relationships.
Which contractor client is still a good borrower, but starting to make you nervous?