Financial Leadership for Contractors
Every Job You Did Not Get
Had a Cost
Many contractors are growing revenue but still running into friction with sureties and underwriters.
The problem is usually not effort. It is the financial story behind the business.
Cash-basis books, weak job costing, WIP schedules that do not tie out, and year-end cleanup after the fact can make it harder to support the bond capacity your business should be able to carry.
SuretyCFO helps contractors put the right financial structure in place so their books, WIP, and reporting support the story underwriters need to see.
The Real Cost of Waiting
A Full-Time CFO Costs 120K–250K Per Year. And Takes Months to Find.
Every Month You Wait
Bonds you cannot access, credit lines sitting idle, and projects on the sideline cost you more than a CFO ever would.
SuretyCFO Starts Now
Construction-specific financial leadership at a fraction of full-time cost, built around exactly what sureties and banks need to see.
What We Do
Three Levels. One System. Built for Contractors.
Tier 1
Financial Control
Typical Revenue: Under M
The foundation. You cannot build credibility on messy books.
.png){kind=small}
Job cost tracking and visibility
Monthly WIP schedule preparation
Percentage-of-completion revenue recognition
AR and AP oversight
Cash position monitoring
Monthly financial reporting
Tax compliance and filings
Tier 2 — Most Popular
Bonding Readiness
Typical Revenue: M – 5M
For contractors ready to grow their bonding program and stop getting declined.
Job margin monitoring and profit fade detection
Working capital monitoring
Under and over billing analysis
Retainage exposure tracking
Financial ratio monitoring
Bonding-ready financial package
Underwriter-ready financial narratives
Tier 3
Strategic CFO
Typical Revenue: 5M+
Full financial leadership for contractors scaling into larger programs.
13-week cash flow forecasting
Annual budgeting and planning
Working capital optimization
Equipment financing strategy
Bank and surety relationship support
Capital allocation planning
Growth and expansion planning
The Difference It Makes
What Proper Financial Presentation Unlocks
What You Gain
Bonds You Were Previously Declined For
Same contractor. Better presentation. Different outcome.
Larger Projects You Could Not Bid
Your bonding capacity will finally reflect your real financial strength.
Better Financing Terms
Lenders trust credible numbers. Credible numbers cost less.
Surety Relationships Built on Credibility
Not just history. Relationships that grow your bonding program.
What We Fix
WIP Schedules That Do Not Reconcile
The number one reason underwriters lose confidence.
Profit Fade That Kills Renewals
We catch it early before it shows up in your financials.
Tax Strategies That Destroy Bonding Capacity
Good tax planning should not wreck your working capital.
Financials That Raise More Questions Than Answers
Your statements should build confidence, not create doubt.
You Already Do the Work. Get Paid for All of It.
Let us build the financial system that gets you there.
Phone
Website