Finance category
Mortgage, loan, investing, tax, and money calculators.
Bonding Capacity Calculator
Contractors bond against working capital. This calculator sizes available capacity.
Available capacity
$15,600,000
Aggregate capacity
$33,600,000
Single job max
$30,000,000
How the math works
Aggregate = min(working capital × 15, net worth × 8). Available = aggregate − backlog.
Monitor aggregate capacity vs backlog monthly. Bidding above capacity triggers surety refusals on final approval — better to track capacity upfront than lose job approvals mid-bid.
How to Use
- Enter working capital.
- Enter net worth.
- Enter backlog already bonded.
- Enter max single job multiplier.
- Read available capacity.
Frequently Asked Questions
Capacity formulas?
Aggregate capacity = 10-20x working capital, or 5-10x net worth. Single-project cap = 10-15x working capital. Premium contractors get 20-30x; newer or smaller 5-10x.
Expanding capacity?
Grow working capital (retain earnings, limit distributions). Improve net worth (asset accumulation). Reduce backlog turnover (complete projects faster). Each takes 12-36 months of discipline.
Capacity urgency?
Bonding constraints limit bid opportunities. Capacity-constrained contractors lose $500k+/year in foregone work. Worth investing in balance sheet to unlock larger jobs.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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