For contractors who depend on bonding and bank credit

Financials your surety and your bank can trust.

We help contractors bid bigger jobs and get paid faster by keeping their WIP, job costing and financials ready every month, so their surety, bond agent and bank see numbers they trust.

Start with a Bond-Readiness Review Get the free checklist

Sound familiar?

Your work is strong. Your numbers are holding you back.

A WIP schedule nobody fully trusts

Estimates to complete carried forward from the bid, not updated with the project managers.

Job costing that doesn't tie to the books

When the job-cost reports and the general ledger disagree, the underwriter trusts neither.

Statements that reach the surety and the bank late

A slow close delays surety packages and bank reporting, and signals weak controls.

Year-end surprises that rattle your underwriter and your lender

Big adjustments at year-end can shrink your bonding line or put a loan covenant at risk.

How it works

Four steps to surety-ready numbers

  1. 1

    Review

    A two-week Bond-Readiness Review finds the gaps a surety would.

  2. 2

    Fix

    A prioritized fix list, with the dollar impact of each issue.

  3. 3

    Monthly WIP

    WIP, job costing and cash kept current every month.

  4. 4

    Surety package

    Quarterly and year-end packages your underwriter and your bank can rely on.

Services

Start with a review. Stay surety-ready.

Start here · Two weeks

Bond-Readiness Review

A surety's-eye view of your numbers.

  • WIP schedule review: estimates to complete, over/under billings, profit fade
  • Job-cost reconciliation to the general ledger
  • Financial statement and cash review against what sureties and banks test
  • Written findings and an owner meeting, with your bond agent if you like

Fixed fee, quoted before we start

Ongoing

Bond-Ready Monthly

Surety-ready numbers, every month.

  • Monthly WIP schedule and job-cost reconciliation
  • Rolling cash forecast and underbilling follow-up
  • Quarterly and year-end surety packages
  • Covenant compliance and borrowing-base reporting for your bank
  • A seat at your surety, bank and lender meetings

Monthly retainer · 30 days' notice to end

We work alongside your year-end CPA. Clean, reconciled books mean fewer year-end adjustments, a smoother year-end, and often a lower bill.

Is your company bond-ready?

Get the free Bond-Readiness Checklist: ten questions your surety and your bank will ask, and what your score means.

Email me the checklist

Who you'll work with

A senior CPA who has seen it from the audit side

Every engagement is led personally by our founder, a licensed CPA with more than 25 years on the audit side, including leading engagements for construction contractors. Our founder knows what your surety and your year-end CPA will test, and fixes it before they find it. No hand-offs to junior staff.

  • Former partner in charge of a CPA firm's audit and attest practice
  • Hands-on experience with WIP schedules, contract revenue recognition, and surety and bonding requirements
  • Speaks the surety's language: WIP, over/under billings, profit fade, working capital

Licensed CPA · Credentials and references available on request

For surety agents, bankers and lenders

Send us the contractor whose financials are holding them back.

We get their WIP, job costing and statements in shape and keep them that way, so your underwriter or credit team gets numbers they can rely on and you get a client who can take on more work.

Make an introduction

Let's look at your numbers the way your surety and your bank will.

Tell us a little about your company and your next surety or bank deadline. We'll reply within one business day.

Email hello@bondlineadvisory.com