Free Contractor Finance Resources

The SuretyCFO™ 12-Step Pricing Formula™ helps contractors price projects with confidence, protect margins, and strengthen bonding capacity. It connects estimating, job costing, and financial outcomes into one clear system. By following each step, contractors can identify cost gaps, improve profitability, and build the financial strength that sureties and lenders look for when extending credit or bonding lines.

The SuretyCFO™ Month-End Close Checklist helps contractors stay financially organized and bonding-ready. It ensures every project’s costs, billings, retainage, and WIP adjustments are reviewed accurately before month-end. By standardizing reconciliations, job reports, and cash flow tracking, contractors can present clean financials, avoid profit fades, and maintain the credibility surety underwriters expect when reviewing bond capacity and financial strength.

The SuretyCFO™ WIP Schedule helps contractors track job performance, billing accuracy, and profitability in real time. It highlights under- or over-billings, ensures revenue recognition aligns with project progress, and provides clear visibility into cash flow. A well-maintained WIP schedule strengthens financial reporting, supports bonding applications, and gives contractors the insight needed to protect margins and manage growth confidently.

The SuretyCFO™ Bond Readiness Checklist prepares contractors to qualify for larger projects with confidence. It reviews key financial areas—working capital, net worth, WIP accuracy, and tax compliance—to ensure books meet surety standards. By addressing gaps before underwriting, contractors can strengthen financial presentation, reduce approval delays, and increase bonding capacity for long-term growth and stability.

The SuretyCFO™ Overhead Rate Calculator shows contractors what it really costs to run the company and what markup every bid needs. It adds up office, shop, insurance, bonding, and vehicle costs, calculates your true overhead rate, and turns your profit target into a minimum bid price for any job, so you stop winning work that quietly loses money.

The SuretyCFO™ 13-Week Cash Flow Forecast shows contractors where their cash will be every week for the next quarter. It is built around how contractors actually get paid: pay apps, slow-paying customers, and retainage releases, set against payroll, sub payments, and suppliers. It flags any week your cash drops below your cushion, so you can act before a crunch, not after.

The SuretyCFO™ 7 Strategies guide shows contractors how sureties size a bond line and which numbers underwriters actually count: working capital, net worth, and WIP. It walks through seven strategies with action steps, from building working capital to planning taxes around your bond program, plus 2026 notes on tariffs and bonus depreciation.

The SuretyCFO™ Surety-Ready Financial Statement Checklist helps contractors review their statements before the underwriter does. It covers statement quality and timing, balance sheet presentation, WIP, working capital, and month-end controls, plus the red flags underwriters notice. Every "no" shows where your numbers may be holding back your bond program.