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Episode 04
How to Double Your Bonding Capacity Without Changing Your Balance Sheet
James Tillman
51 min
Coming soon
About this episode
Surety specialist James Tillman explains what underwriters actually look at — and how contractors can present the same financial picture in a way that unlocks dramatically higher bond limits.
Key moments
0:00
James's eight years on the underwriting side
7:15
The five factors that determine your bonding capacity
18:30
Why the WIP schedule matters more than the balance sheet
28:00
The Breva Score™ and how underwriters use it
40:45
What to do in the 90 days before a big bond application
Resources mentioned
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James Tillman spent eight years as a surety underwriter before moving to the contractor side. He now helps subcontractors understand what bonding agents actually look for — and how to present financials in a way that unlocks higher bond limits.
LinkedIn
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