eBacon

A practical session with construction finance and surety specialists on getting your payroll, job costing, and financials to tell the same story, before it costs you a bid.

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**Two $10M contractors. One gets a $1.5M bond. The other gets $7M+.**

Same size. Same revenue. The only difference is how their numbers read to an underwriter.

Your surety sets capacity based on working capital, net worth, backlog, and track record. All of it traces back to job cost reports, and those reports are only as good as the payroll data feeding them. Miscode labor in the field in March and you're explaining it to an underwriter in October.

On October 15, three specialists who each own one link in that chain will walk it end to end:

*   Matt Snowden, The Mahoney Group (surety)
*   Josh Luebker, SPM The Construction CFO (job costing)
*   Bernadette "Dette" Negrete, eBacon (payroll and GL)

You'll walk out knowing:

*   What underwriters actually read when they set your capacity, and why it changes every time your financials do
*   Why a busy sub can look profitable on paper and still run cash to zero
*   Where labor cost data breaks between the field, payroll, and your WIP
*   How one strong contractor became virtually unbondable after switching accountants
*   What to do now if you want to be bidding bigger jobs in two years

Bring your questions. Matt, Josh, and Dette are giving Q\&A a full 15 minutes.
