What Your Surety Is Really Checking
From the Underwriter's Side
Every bond request goes through an underwriter's review. Most contractors only see the result: a limit, a delay, or a request for more information. We look at your working capital, WIP, and job profits the way your surety will, and fix the gaps before you submit.
Where Bonds Get Stuck
01
WIP That Ties to Your Books
Underwriters review your WIP first. When it does not match your books, every other number gets questioned.
We help you:
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Build WIP from actual job cost each month
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Reconcile WIP to the general ledger
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Calculate overbillings and underbillings correctly
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Catch problems before your surety does
02
Working Capital That Counts
Not every current asset gets full credit with a surety.
We help you:
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Clean up old and disputed receivables
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Track retainage separately
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Resolve or explain related-party balances
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Show more of your working capital as usable
03
Profit Fade on Open Jobs
Margins that drop between estimate and closeout raise red flags.
We help you:
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Compare estimated and actual cost every month
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Flag slipping jobs while there is time to act
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Improve estimates using real job history
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Explain gains and fades in plain language
04
On-Time Financial Reporting
Late statements slow down every bond request.
We help you:
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Close the books by a set date each month
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Prepare quarterly interim financials
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Organize year-end schedules for your CPA
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Meet your surety's deadlines
05
Bonding Capacity Planning
Growth only works if your balance sheet can support it.
We help you:
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See how working capital and equity drive your limits
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Size new bids against your current capacity
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Plan ahead for larger single jobs
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Grow without straining cash
06
Your CPA, Agent, and Bank in Sync
We do not replace your advisors. We make their jobs easier.
We help you:
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Give your CPA organized books and schedules
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Send your agent complete, consistent submissions
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Keep your banker current for your credit line
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Keep everyone working from the same numbers
Who We Work With
SuretyCFO™ is built for:
Commercial subcontractors and trade contractors
General contractors from $3M to $50M+ in revenue
Contractors seeking a first bond line or higher limits
Owners who want a CFO without a full-time hire
Three levels of support:
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Bookkeeping: clean books
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Controller: monthly close and WIP
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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CFO: bonding strategy
Your Year With SuretyCFO™
Our work follows the same calendar your surety does:
First 60 days: catch up and clean up the books
Every month: close, WIP, and a review call
Every quarter: a surety-ready package
Year-end: an organized handoff to your CPA
All year: CFO guidance on bids and growth