Contractor Bond Readiness Review

Most contractors don't find out they have a bonding problem until they need a bond — and by then, it's too late to fix it before the bid deadline. A bond readiness review changes that. It gives you a clear picture of where your business stands in the eyes of a surety before you ever submit an application.

Sureties evaluate contractors on three core areas — capital, capacity, and character. If you're strong in all three, getting bonded is straightforward. If one or more areas need work, knowing that now gives you time to fix it.

 The 3 C's of Surety Bonding

Capital — Do you have the financial strength to support bonded work? Sureties look at your working capital, net worth, cash flow, and profitability. Your company financial statements and personal financial statements tell this story.

Capacity — Can you actually perform the work? This includes your experience, your team, your equipment, your project management track record, and your current workload. Your work-in-progress schedule is the key document here.

Character — Are you someone the surety can trust? Your personal credit score, your history of completing projects, your payment track record with subs and suppliers, and any past legal or bond claim issues all factor in.

Take the Contractor Bond Scorecard

 Our free Contractor Bond Scorecard walks you through the same areas a surety evaluates and gives you a clear score across capital, capacity, and character. It takes just a few minutes and shows you exactly where you're strong and where you need to improve 

 What Happens After You Complete the Scorecard?

Once you complete the scorecard, our team reviews your results and reaches out to discuss next steps. If you're ready to get bonded, we'll move forward. If there are areas to strengthen first, we'll tell you exactly what to work on — and connect you with the right advisors to get there, whether that's a construction-focused CPA, a fractional CFO, or a construction banker.

There's no cost and no obligation. It's how we start every contractor relationship — with a clear understanding of where you are and what it takes to get where you want to go