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Project Pipeline Visibility
Future revenue depends on bid pipeline and project awards. Documentation is critical.
Equipment Valuation
Heavy equipment and fleet depreciation must be accurately assessed.
Crew and Talent Retention
Skilled trades workers and project managers are key assets requiring transition plans.
Accounting and Cost Management
Construction accounting complexity requires sophisticated buyer understanding.
A construction sale is a license class, a surety relationship, and a set of jobs that are either under contract or still in the bid pile. Buyers underwrite whether they can become the qualifying individual—or hire one—before they care about last year’s revenue. Bonding capacity follows working capital and personal indemnity. If the bond line is really your personal balance sheet, say that. A buyer cannot assume a surety will simply swap names.
Residential remodeling, light commercial, and public-works each carry different insurance, retainage, and prevailing-wage paperwork. We will not blend a kitchen-and-bath book with a municipal bid shop and call it one company.
Signed contracts, notices to proceed, and deposits are backlog. A spreadsheet of “90 percent likely” bids is pipeline. Buyers haircut pipeline hard, especially if you are the estimator and the project manager. Change-order history and retainage aging tell them whether the margin on the job cost report will still be there at closeout.
Equipment is real money only after liens and leases are mapped. A skid steer that is titled to you personally, or a trailer the bank still holds, is not automatically in the deal. Weather and winter shutdowns belong in the year, not in a spring annualization.
Open jobs need a schedule of values, retainage, and who owns callbacks. Subcontractor pay apps and supplier accounts have to assign or be replaced. If you want to keep a small remodeling company after selling the commercial book, draw that line before anyone tours the shop. Competing with your own buyer is how construction lawsuits start. Bridge Point will put license transfer, landlord consent on the yard, and the surety conversation on one calendar.
Construction is a license class, a surety story, and contracted backlog. SBA 7(a) will look at a remodeler or light-commercial shop when signed jobs, a qualifier path, and equipment that is not over-levered support debt service. A colorful bid board is pipeline. Lenders haircut it. Truck, trailer, and iron notes have to be mapped; a skid steer titled to you personally is not automatically in the loan.
Unused deposits and jobs waiting on permit are liabilities, not cash a buyer can borrow against. Bonding follows working capital and personal indemnity — a surety will not simply swap names. Seller notes and standby notes show up when retainage is heavy, the owner is still the estimator, or the buyer needs SBA equity. We put license transfer, open-job schedule of values, and who owns callbacks on one page before anyone calls a lender.
General contractors adding a book or a license class, remodelers who already have a qualifier, and specialty trades rolling a related crew. A buyer who needs you to keep estimating and running every job is buying a job with a yard. We say that before anyone models senior debt.
Request a confidential consult or call (352) 515-0226. We will tell you whether a sale is realistic before you go to market.