Posts by EmoryDay
How Construction Companies Can Use an SBA 7(a) Loan to Buy a Warehouse or Commercial Property
For construction companies looking to purchase a warehouse, yard, or other commercial property, conventional bank financing is not always a straightforward path. Debt service coverage requirements, loan-to-value thresholds, and the irregular cash flow patterns common in construction can make it difficult to fit neatly into a conventional underwriting box. The SBA 7(a) loan program offers…
Read MoreAsk Your Surety Pro – Can a CPA Compilation Statement Help Grow Your Bonding Capacity?
For small contractors relying on internally prepared financial statements, upgrading to a CPA compilation report can be an important first step toward qualifying for larger bonding programs. But the value of that compilation depends heavily on how it is prepared and what supporting schedules the CPA firm includes. In this episode of Ask The Surety…
Read MoreHow to Use an SBA 7(a) Loan to Acquire a Construction Company in 2026
If you are an entrepreneur, a key employee considering a buyout, or an existing contractor looking to grow through acquisition, the SBA 7(a) loan program may be one of the most practical financing tools available to you. But understanding how the process works, what underwriters evaluate, and how investor capital and seller financing fit into…
Read MoreAsk Your Surety Pro – How to Make a Strong First Impression When Meeting a Surety Company
Your first meeting with a surety company is about more than your financial statements. Surety underwriters want to understand the people behind the business — your experience, your reputation, your operational discipline, and your long-term vision for growth. In this episode of Ask The Surety Pro, Brent Headley, Surety Account Executive at Anderson & Catania,…
Read MoreIs the SBA 7(a) Loan Program Available to Construction Companies?
One of the most common questions construction company owners have about SBA lending is a straightforward one: does it actually apply to them? The answer is yes, and it has for a long time. AC Surety sat down with Capital Bank to get a direct answer on which SBA loan products are available to construction…
Read MoreAsk Your Surety Pro – Is Surety Bond Capacity Available for Small Contractors in 2026?
The surety bond market in 2026 continues to offer strong capacity for small businesses, especially contractors working in federal infrastructure, manufacturing expansion, energy projects, and data center construction. In this episode of Ask The Surety Pro, Joe Catania, Co-Founder and CEO of Anderson & Catania, explains why surety companies remain motivated to support well-managed small…
Read MoreHow Construction Business Owners Can Use SBA Loans to Fund a Buyout or Succession Plan
Succession planning is one of the most pressing conversations happening in the construction industry right now. A generation of company owners is approaching the exit, and the question they keep running into is the same one: where does the money come from? Whether you are an owner looking to sell to a third party, transition…
Read MoreAsk Your Surety Pro – When Should a Construction Company Hire a Full-Time Accountant or Controller?
Outsourced bookkeeping and year-end CPA support work well in the early stages. But for growing construction companies pursuing larger bonded projects, there comes a point where that setup is no longer enough. In this episode of Ask The Surety Pro, Brent Headley, Surety Account Executive at Anderson & Catania, explains when bringing accounting in-house becomes…
Read MoreWhat Contractors Need to Know About the SBA 7(a) Loan Program
If you have ever been turned down for conventional financing or found that traditional lending did not quite fit what your business needed, the SBA 7(a) Loan Program may be worth a closer look. AC Surety sat down with Capital Bank to get a plain-language explanation of how the program works and who it is…
Read MoreAsk Your Surety Pro – How Tax Planning Strategies Affect Your Surety Bond Program
Tax planning is a normal part of running a construction business. But the strategies you use and when you use them can have a real impact on how your surety underwriter reads your financials. In this episode of Ask The Surety Pro, Chris Ruck, Vice President at Anderson & Catania, explains how common approaches like…
Read More