CFO Services for Contractors Who Need Bonding Capacity
SuretyCFO provides CFO-level advisory services built specifically for construction companies that rely on surety bonding to grow. Our focus is not generic finance. It is helping contractors present strong, credible financials that underwriters trust and approve.
We sit between the contractor, CPA, surety agent, and underwriter to make sure financial decisions support bonding capacity, backlog growth, and long-term stability.
What Our CFO Services Include: Bond-Focused Financial Strategy
We analyze your financial position through an underwriting lens, not just accounting standards. This includes how working capital, liquidity, leverage, and profitability are viewed by sureties.
You gain clarity on what actually limits your bonding capacity and what does not.
What We Offer
01
Work-in-Progress (WIP) Oversight
WIP errors are one of the most common reasons bond submissions get delayed or questioned.
Our CFO services include:
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Review of percent-complete methodology
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Validation of cost-to-complete assumptions
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Identification of over- and under-billing risks
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Alignment of WIP with job costing and backlog
The goal is clean, defensible WIP that underwriters can rely on.
02
Backlog and Capacity Planning
Growth only works if your balance sheet can support it.
We help you:
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Evaluate backlog relative to working capital and net worth
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Identify capacity constraints before they become problems
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Plan contract mix and project size around bonding limits
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Avoid growth that stresses liquidity or triggers underwriter concerns
03
Working Capital Quality Analysis
Not all working capital counts with underwriters.
Our CFO services include:
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Identifying assets that are discounted or adjusted
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Evaluating receivables, retainage, and aging risk
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Reviewing debt structure and covenant pressure
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Improving the quality, not just the quantity, of capital
This helps prevent surprises during underwriting review.
04
Cash Flow and Liquidity Management
Profit does not guarantee cash.
We help contractors:
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Understand job-level cash flow timing
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Anticipate cash strain from growth or retainage
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Improve cash forecasting tied to WIP and backlog
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Align cash strategy with bonding and banking requirements
05
Financial Story Preparation for Surety Review
Underwriters evaluate numbers and narrative.
We help you:
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Prepare financials that tell a consistent story
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Anticipate underwriter questions before submission
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Reduce back-and-forth during bond review
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Strengthen credibility with both agents and sureties
06
Coordination with CPAs and Surety Agents
SuretyCFO does not replace your CPA or agent. We support them.
We:
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Work alongside your CPA to align financial presentation
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Coordinate with your surety agent on timing and expectations
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Help ensure submissions are clean and complete
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Reduce friction between all parties involved
Who Our CFO
Services Are For
SuretyCFO is best suited for:
Contractors with bonded work
Growing construction companies managing backlog risk
Firms preparing for increased bonding capacity
Contractors who want fewer underwriting surprises
Most CFO services focus on:
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Internal reporting
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Tax optimization
How SuretyCFO Is Different
SuretyCFO focuses on:
Underwriter perception
Bonding capacity
Financial credibility
Risk presentation
That difference matters when bonding limits growth.
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Historical performance
The Outcome
With SuretyCFO bookkeeping, contractors gain:
Clear understanding of bonding constraints
Stronger financial presentations
Cleaner WIP and backlog alignment
Better conversations with agents and underwriters
Fewer surprises and faster approvals