Posts Tagged ‘Ask Your Surety Pro’
Is 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 MoreAsk Your Surety Pro – How Personal Liquidity and Assets Can Increase Your Bonding Capacity
Your bonding capacity is not determined by your business financials alone. Personal liquidity and assets play a significant role in how surety underwriters evaluate your overall risk profile and how much capacity they are willing to extend. In this episode of Ask The Surety Pro, Joe Catania, Co-Founder and CEO of Anderson & Catania, breaks…
Read MoreAsk Your Surety Pro – Why Sureties Focus on Gross Profit Over Net Income
Gross profit isn’t just a number—it’s a signal your surety is watching. It shows how well you estimate and execute work, whether your projects are managed efficiently, and whether your operational performance is consistent. That’s why underwriters focus on your WIP schedule, not just year-end results. In the latest episode of Ask The Surety Pro,…
Read MoreAsk Your Surety Pro – How a Surety Evaluates a Note Payable Due From an Owner
A note payable due from a construction company owner isn’t automatically a problem—but to a surety, it often raises a simple question: “Did value leave the company at the expense of the balance sheet that supports project performance?” In the today’s episode of Ask The Surety Pro, Chris Ruck, Vice President, discusses how sureties evaluate…
Read MoreAsk Your Surety Pro – What to Tell Your Surety When You’re Closing Your Construction Business
If you’re planning to close your construction business, the most important call you can make is to your surety broker — before anything else changes. In this episode of Ask The Surety Pro, Joe Catania, Co-Founder and CEO of Anderson & Catania, explains why early, transparent communication with your surety is critical during a business…
Read More