$5M–$50M
Contractor Revenue Range
4
Core Focus Areas
100%
Agent-Aligned
The Problem Framed for Agents
Bonding capacity is rarely constrained by backlog alone
In many cases, underwriting hesitation is driven by financial presentation and structural issues such as:
Overstated WIP margins
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Weak working capital positioning
Profit fade masked by billing timing
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Inconsistent job cost reporting
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Balance sheet classifications that distort liquidity
"These issues are often correctable, but they require focused financial oversight."
For Surety Agents
How Surety CFO Supports Agents
SuretyCFO works specifically with growth-stage contractors experiencing underwriting friction.
Our role is to stabilize financial reporting, strengthen underwriting credibility, and support the agent–contractor relationship.
We do not compete for the agent relationship.
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We strengthen it.
Bond program pressure
Working capital volatility
Margin compression
Rapid backlog expansion
Surety-imposed financial scrutiny
Our Focus
What We Focus On
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WIP Integrity
Ensure percentage-of-completion reporting reflects economic reality, not billing timing.
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Working Capital Optimization
Improve liquidity presentation and reduce distortions that trigger underwriting concern.
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Profit Fade Identification
Identify early margin compression trends before they impact bonding capacity.
Financial Communication Support
Provide structured explanations that help contractors communicate clearly with underwriters.
Ideal Fit
Who We Work Best With
Contractors typically For
$5M–$50M in annual revenue
Growing faster than financial systems
Experiencing increased bond program scrutiny
Preparing for larger public or private projects
Request Technical Consultation
If you are seeing recurring financial friction in your contractor portfolio, I am available as a technical resource.
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No obligation consultation
Direct technical expertise
Agent-aligned approach