What lenders and sureties actually look for, and how to be ready before you need them. Because the worst time to clean up your books is when the bond is on the line.
The bigger and better jobs (public work, commercial GCs, anything requiring a performance bond) are gated behind your financials. A surety or bank decides how much work you can take on based on what your books tell them.
This guide lists the specific items an underwriter reviews (WIP schedule, working capital, profit fade, backlog quality), gives you a 15-point self-check, and shows the gaps most contractors don't know they have, like underbillings quietly eating the exact working-capital number your program is sized on.
Free to download. No email wall. Open it in Excel or Google Sheets, edit it, keep it.
Contractors who want bonded work on the horizon, are hitting a capacity ceiling, or have been asked for a WIP schedule and financial statements.
