Ask Your Surety Pro – How Sureties View A/R and Retention on Your Balance Sheet

In the latest episode of Ask The Surety Pro, Chris Ruck, Vice President, tackles a question we hear all the time:

“How does a surety evaluate a contractor’s balance sheet when most of the working capital is tied up in A/R over 90 days and billed retention?”

This is one of the most common (and misunderstood) issues impacting bonding capacity—especially for growing construction companies. What looks like “profit on paper” can raise real concerns if cash isn’t moving.

Watch time: 1:05

If your balance sheet shows strong backlog but slow collections, this is a must-watch—because the way you see A/R isn’t always how a surety sees it.