Sample Package

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A complete monthly reporting package, the way Torveen delivers it — owner summary first, then the schedules behind it. Open it and judge the work the way a banker would.

Sample Sample package — illustrative figures, not a real client. Harbor Peak Builders, LLC is a fictional company, invented for this sample. No real client’s numbers appear here.
Client: Harbor Peak Builders, LLC (fictional) Period: Month ended October 31, 2026 Prepared by: Torveen Accounting
01

Owner Summary

The month in plain English — one page, first
  • Cash ended the month at $475,000, up $87,000. All three October draws were funded on schedule.
  • The company earned $548,900 of revenue in October and $6,037,833 to date across four jobs, at a gross margin of 13.2%.
  • Riverton Phase 2 is on budget overall: concrete is running $19,600 over, more than covered by savings in framing.
  • Billing is keeping pace with the work. Work completed and awaiting its next draw totals $137,833, and no job is billed ahead of progress.
  • Retainage held on completed work totals $248,000. Hillcrest’s $32,000 releases on final sign-off, expected next month.
  • Looking ahead: draws of $615,000 are scheduled over the next four weeks against expected payouts of about $520,000, and the credit line is fully undrawn.
02

WIP Schedule

Through October 31, 2026 · All figures in dollars
Job Contract Costs to date Est. to complete Total est. cost % complete Earned revenue Billed to date Over / (Under) billed Gross profit earned
2411 Riverton Estates — Phase 2 4,850,000 2,800,000 1,400,000 4,200,000 66.7% 3,233,333 3,150,000 (83,333) under 433,333
2414 Northgate Retail Shell 2,340,000 1,640,000 410,000 2,050,000 80.0% 1,872,000 1,840,000 (32,000) under 232,000
2417 Maple Street Custom Home 975,000 253,500 591,500 845,000 30.0% 292,500 270,000 (22,500) under 39,000
2409 Hillcrest Tenant Improvement (complete) 640,000 550,000 0 550,000 100% 640,000 640,000 0 90,000
Totals 8,805,000 5,243,500 2,401,500 7,645,000 — 6,037,833 5,900,000 (137,833) under 794,333

Percent complete = costs to date ÷ total estimated cost. Earned revenue = percent complete × contract price. Under-billed work is work performed but not yet billed. No job is billed in excess of work performed. Backlog remaining to earn: $2,767,167.

03

Budget-to-Actual

Job 2411 Riverton Estates Phase 2 · Through October 31, 2026
Cost code Budget Actual Variance
Sitework 540,000 512,300 27,700 under
Concrete 730,000 749,600 (19,600) over
Framing & lumber 1,020,000 965,700 54,300 under
MEP rough-in 830,000 572,400* in progress
Finishes 1,080,000 0 not started
Total estimated cost 4,200,000 2,800,000

*MEP actual is spending to date on work in progress, not a completed variance. Note: concrete is running $19,600 over budget — the second pour's unit prices came in above the bid. Framing savings of $54,300 more than cover the overage, and the job's total estimated cost is unchanged.

04

Cash View

October 2026, and the four weeks ahead
Beginning cash (Oct 1)$388,000
Draws and collections received$742,000
Payroll, subcontractors, and materials paid($655,000)
Ending cash (Oct 31)$475,000
Draws submitted, awaiting funding$196,000
Retainage receivable$248,000
Credit line$0 drawn of $500,000
Next 4 weeks — draws scheduled$615,000
Next 4 weeks — expected payouts≈ $520,000
05

Financial Snapshot

October 2026 · Year to date · Balance sheet at October 31, 2026

Income Statement — October 2026

Revenue earned$548,900
Cost of work$472,300
Gross profit$76,600 (14.0%)
Overhead$33,100
Net income$43,500

Year to Date

Revenue$3,385,000
Gross profit$445,600 (13.2%)
Net income$168,400

Balance Sheet — Oct 31, 2026

Cash$475,000
Contracts receivable$436,000
  includes retainage$248,000
Costs in excess of billings$137,833
Accounts payable$264,000
Billings in excess of costs$0
Credit line payable$0
Prepared by Torveen Accounting · Financials by the 10th business day · Sample — illustrative figures. Sample package — illustrative figures, not a real client.

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