Single-job and aggregate bonding limits using the working-capital + net-worth formulas surety underwriters actually use. Built for general contractors at $1–20M revenue.
Your single-job and aggregate capacity are above. Grab the free 13-week cash forecast workbook: direct download (.xlsx), no email required. Second opinion? Leave your email; your inputs land in the founder's inbox and a person reads them, not a drip.
Most GCs check working capital when the controller closes the books; by then a $200K AR concentration or stalled retainage release has moved the line. TreasuryFlow keeps the cash side live: every bank balance, liquid vs restricted, refreshed each morning.
Bonding bank, operating, escrow, payroll: all connected read-only via Plaid. Every balance refreshes daily and rolls into a liquid / restricted / investment split, so the cash inputs to your working-capital calc are never stale.
If retainage or bond collateral sits in its own bank account, tag it Escrow or Bonding: it reads as restricted cash, never mixed into the spendable number that's locked up at 5–10% per progress billing.
One workbook (live balances, 13-week forecast, AR aging, vendor spend) with exact figures and a generation timestamp. Export it the morning the surety asks instead of rebuilding a spreadsheet from portal screenshots.
Most sureties use a 10× working capital rule for single-job capacity (some go 12–15× for AAA-rated GCs) and 20× working capital plus 15× net worth for aggregate, whichever is lower. Cash, retainage discipline, AR aging, and net worth factor in.
Working capital is current assets minus current liabilities, but most GCs check it only at month-end. By then a $200K AR concentration has moved the number. TreasuryFlow shows live bank balances, liquid vs restricted, plus QuickBooks AR aging, every morning.
Retainage (retention) is the 5–10% of each progress billing held back until completion: earned but uncollected, unlike regular AR in surety's eyes. Tag its escrow account Escrow and it reads as restricted cash, so your liquid number is spendable.
TreasuryFlow connects to QuickBooks Online for AR/AP, invoices, and bills; nothing writes back to your books automatically. No Sage 300 CRE or Foundation today. Any accounting stack works; balances come from your banks via Plaid. Try the 90-day trial.
Defaults match the most-quoted numbers in surety pricing guides: 10× WC for single-job, 20× WC and 15× NW for aggregate, the lower binding. Adjust for your surety: Travelers, Liberty Mutual, and Zurich each publish different multipliers per credit tier.
Weighing this against another tool? Here’s the honest side-by-side: what each does well, and where a live bank feed changes the answer.
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