Within the contract segment, our goal is to target contractors that have annual revenue between $2 million and $15 million. We provide lines of credit up to $5 million (single) and $10 million (aggregate). We also provide most agents with a line of credit that they can use to serve the normal day-to-day needs of their contractor customers. In keeping with our approach, we consider larger projects on a case-by-case basis with particular attention paid to the contractor’s experience, financial condition and management expertise.

We are relationship-based underwriters. We are focused on individual customers, their financial condition and their future plans. We work best when we can meet with our clients, understand how they manage their business and agree on a future direction that makes sense. From our considerable experience with contractors, we know what works and what doesn’t.

We provide timely and thorough service, and we strive to add value to our clients and agents by counseling them on business plan formation, CPA selection, organizational controls and project profitability management. In short, we work to form strong and lasting relationships that stand the test of time.

• Completed contractor questionnaire (ours or NASBP quality)
• 3 or more years of fiscal year-end CPA prepared statements ($3 million or more in revenue requires a Review or better statement)
• 3 or more years of work in progress and completed contract schedules
• Personal financial statement
• Resumes for senior management & organization details/chart
• Copy of most recent bank line of credit
• Description, contract price and final gross profit of 5 largest projects completed