Free Calculator · Construction

Bonding Capacity Calculator

Estimate your single-job and aggregate bonding capacity using the working-capital + net-worth formulas surety underwriters actually use. Built for general contractors doing $5M–$200M revenue.

Inputs

Working Capital Current Assets − Current Liabilities

Net Worth (Equity) Total Assets − Total Liabilities

LOC Availability (unused) Bank line of credit unused balance — surety often counts 50%

Cash & MMF Balance Liquid cash position right now

Surety Multipliers

Single-Job WC Multiplier Industry standard: 10×

10× working capital

Aggregate Multiplier Industry standard: 20× WC, 15× NW (lower wins)

20× working capital

Single-Job Capacity

—

largest single project bonded

Aggregate Capacity

—

total bonded backlog you can carry

Email me the full bonding capacity report

Get your single-job and aggregate capacity, plus the free 13-week construction cash forecast template (with WIP and retainage rows already built in).

Want this updated automatically every morning?

TreasuryFlow connects to your operating + retainage banks via Plaid, tags retention separately, and recalculates working capital + cash position daily. The construction-bonding landing page has more.

See Construction Features →

Bonding Capacity FAQ

How does surety calculate bonding capacity?

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.

Why does TreasuryFlow help here?

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.

What's "retainage" and why does it matter?

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.

Does TreasuryFlow integrate with construction accounting tools?

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 our customers export from those systems and ingest into TreasuryFlow via Excel. Try the 14-day trial to see if it fits your stack.