Single-job and aggregate bonding limits using the working-capital + net-worth formulas surety underwriters actually use. Built for general contractors at $5M–$200M revenue.
Single-job + aggregate capacity, plus the free 13-week construction cash forecast template (with WIP and retainage rows pre-built).
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 it live.
Bonding bank, operating, escrow, retainage — all connected via Plaid. Working capital recalculates every morning from real bank balances and AR aging.
Retainage receivable shows as its own AR class so working capital reflects what's actually liquid — not what's locked up at 5–10% per progress billing.
Total cash, bonding capacity, AR aging, WIP — formatted the way underwriters expect. Several agents have asked "can you send this every week?"
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 real-time cash + AR aging + retainage every morning, so you walk into the surety meeting with current 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. TreasuryFlow tags retainage as a distinct AR class so your working capital calc reflects what's actually liquid.
TreasuryFlow connects to QuickBooks Online (QBO) bidirectionally — many smaller GCs run QBO + a job-cost overlay. We don't integrate directly with Sage 300 CRE or Foundation today, though customers export from those systems and ingest into TreasuryFlow via Excel. Try the 14-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.
14 days free. No credit card. Live in 5 minutes.