What Underwriters Look At
Before They Approve Your Bond
Sureties look at working capital, equity, WIP accuracy, profit fade, timely financial statements, and how your tax strategy affects your balance sheet. We review each one the way an underwriter does, then fix what is holding your bond line back.
How We Get You Bond-Ready
01
Bond Readiness Review
Before you apply, we read your statements, WIP, and tax return the way an underwriter will.
What you get:
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A plain-English score on working capital and equity
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Gaps in your WIP found before submission
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Tax moves that may be shrinking your bond line
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A ranked fix list you can act on
02
Balance Sheet Cleanup
Old balances and loose ends shrink the capital a surety will credit.
What you get:
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Stale receivables collected or written off
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Retainage split into its own accounts
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Owner and related-party loans documented
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Suspense and clearing accounts emptied
03
Bond Submission Package
A complete file, ready the day your agent asks for it.
What you get:
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Interim financials and a current WIP schedule
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Backlog and completed-jobs schedules
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Bank line and debt summary
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Notes that answer questions before they are asked
04
Bond Capacity Planning
Know your single-job and aggregate limits before you bid.
What you get:
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An estimate of your current bond capacity
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New bids tested against your backlog
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A retained earnings plan to raise limits
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Timing advice for your largest jobs
05
Surety Meeting Prep
Walk into every surety meeting knowing your numbers cold.
What you get:
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A briefing before agent and underwriter calls
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Clear explanations for losses and one-time items
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Answers to likely questions, ready ahead of time
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Fast follow-up on any open requests
06
Staying Bond-Ready
The first approval is the start. We keep your file strong for every renewal.
What you get:
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Quarterly checks on the ratios sureties watch
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Early warnings when a job starts to slip
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Updated numbers before each renewal
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Plans adjusted as your backlog changes
