Single-job and aggregate bonding limits using the working-capital + net-worth formulas surety underwriters actually use. Built for general contractors at $1M–$50M revenue.
Your single-job and aggregate capacity are on screen above. Grab the free 13-week cash forecast workbook: direct download (.xlsx), no email required. Want a second set of eyes on your bonding math? Leave your email and your inputs land in the founder's inbox; a person reads these, not a drip.
Most GCs only check working capital when the controller closes the books; by then a $200K AR concentration or stalled retainage release has already moved the line. TreasuryFlow keeps the cash side of that number live: every bank balance, split 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 with strong WIP discipline) and a 20× working capital + 15× net worth rule for aggregate (the lower of the two is the limit). Cash, retainage discipline, AR aging, and net worth growth all factor in.
Working capital is "current assets − current liabilities," but most GCs only check it monthly when the controller closes the books. By then, a $200K AR concentration or a stalled retainage release has already moved the number. TreasuryFlow shows your live bank balances (split liquid vs restricted by account role) plus AR aging from QuickBooks every morning, so you walk into the surety meeting with current cash data.
Retainage (or "retention") is the 5–10% of each progress billing the owner holds back until project completion. It's earned but uncollected, and surety treats it differently from regular AR. In TreasuryFlow, if retainage is parked in a separate escrow account, tag that account Escrow and it reads as restricted cash, so the liquid number you take into the surety meeting reflects what's actually spendable.
TreasuryFlow connects to QuickBooks Online (QBO), read-only (AR/AP, invoices, and bills), and many smaller GCs run QBO + a job-cost overlay. We don't integrate with Sage 300 CRE or Foundation today. The bank side works regardless of your accounting stack, because balances come straight from your banks via Plaid. Try the 90-day trial to see if it fits your stack.
Defaults match the most-quoted numbers in surety pricing guides: 10× WC for single-job, 20× WC and 15× NW for aggregate (lower of the two is the binding constraint). Adjust the sliders to model your specific surety relationship: Travelers, Liberty Mutual, and Zurich each publish slightly 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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