90% faster underwriting

AI agent for Construction Bond Underwriters

From days of financial analysis to hours

Delegate contractor financial assessment to a specialized AI agent. It analyzes work-in-progress schedules, extracts liquidity metrics, calculates bonding capacity ratios, and flags financial deterioration patterns, allowing underwriters to focus on risk selection and relationship management instead of spreadsheet reconciliation.

Ideal for

Surety Underwriters

Bond Producers

Risk Management

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    Paige logo
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See AI agent for Construction Bond Underwriters in action

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  • Mercedes-Benz logo
    SMC  logo
    Mercedes-Benz logo
    Centerline logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Alaris logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Foobar logo
    ABL logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Brotherhood Mutual logo
    Mercedes-Benz logo
    Paige logo
    Roche logo
    Mercedes-Benz logo
    Sony logo
    Munch Energie Logo
    Certainty Sofrware logo
    Raft logo
    Bayer Logo
    Mercedes-Benz logo
    Mercedes-Benz logo

See AI agent for Construction Bond Underwriters in action

Play video

  • Mercedes-Benz logo
    SMC  logo
    Mercedes-Benz logo
    Centerline logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Alaris logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Foobar logo
    ABL logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Brotherhood Mutual logo
    Mercedes-Benz logo
    Paige logo
    Roche logo
    Mercedes-Benz logo
    Sony logo
    Munch Energie Logo
    Certainty Sofrware logo
    Raft logo
    Bayer Logo
    Mercedes-Benz logo
    Mercedes-Benz logo

See AI agent for Construction Bond Underwriters in action

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Bonding Capacity Assessment

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    Alaris logo
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    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Foobar logo
    ABL logo
    Mercedes-Benz logo
    Mercedes-Benz logo
    Brotherhood Mutual logo
    Mercedes-Benz logo
    Paige logo
    Roche logo
    Mercedes-Benz logo
    Sony logo
    Munch Energie Logo
    Certainty Sofrware logo
    Raft logo
    Bayer Logo
    Mercedes-Benz logo
    Mercedes-Benz logo

See AI agent for Construction Bond Underwriters in action

Play video

Time comparison

Time comparison

Traditional way

3-5 days

With V7 Go agents

2-4 hours

Average time saved

90%

Why V7 Go

Why V7 Go

Automated WIP Schedule Analysis

Extracts project-level data from work-in-progress schedules, calculates over/underbilling positions, identifies negative gross profit jobs, and reconciles WIP totals against balance sheet contract assets and liabilities.

Automated WIP Schedule Analysis

Extracts project-level data from work-in-progress schedules, calculates over/underbilling positions, identifies negative gross profit jobs, and reconciles WIP totals against balance sheet contract assets and liabilities.

Automated WIP Schedule Analysis

Extracts project-level data from work-in-progress schedules, calculates over/underbilling positions, identifies negative gross profit jobs, and reconciles WIP totals against balance sheet contract assets and liabilities.

Automated WIP Schedule Analysis

Extracts project-level data from work-in-progress schedules, calculates over/underbilling positions, identifies negative gross profit jobs, and reconciles WIP totals against balance sheet contract assets and liabilities.

Liquidity Metric Extraction

Automatically calculates current ratio, quick ratio, working capital, and cash flow metrics from financial statements, tracking trends across multiple periods to identify liquidity deterioration patterns.

Liquidity Metric Extraction

Automatically calculates current ratio, quick ratio, working capital, and cash flow metrics from financial statements, tracking trends across multiple periods to identify liquidity deterioration patterns.

Liquidity Metric Extraction

Automatically calculates current ratio, quick ratio, working capital, and cash flow metrics from financial statements, tracking trends across multiple periods to identify liquidity deterioration patterns.

Liquidity Metric Extraction

Automatically calculates current ratio, quick ratio, working capital, and cash flow metrics from financial statements, tracking trends across multiple periods to identify liquidity deterioration patterns.

Bonding Capacity Calculation

Applies your firm's underwriting guidelines to calculate available single and aggregate bonding capacity based on working capital, equity, backlog composition, and work-in-progress quality metrics.

Bonding Capacity Calculation

Applies your firm's underwriting guidelines to calculate available single and aggregate bonding capacity based on working capital, equity, backlog composition, and work-in-progress quality metrics.

Bonding Capacity Calculation

Applies your firm's underwriting guidelines to calculate available single and aggregate bonding capacity based on working capital, equity, backlog composition, and work-in-progress quality metrics.

Bonding Capacity Calculation

Applies your firm's underwriting guidelines to calculate available single and aggregate bonding capacity based on working capital, equity, backlog composition, and work-in-progress quality metrics.

Financial Deterioration Detection

Flags early warning indicators including declining margins, increasing receivables aging, rising subcontractor payables, equity erosion, and negative cash flow from operations that signal contractor distress.

Financial Deterioration Detection

Flags early warning indicators including declining margins, increasing receivables aging, rising subcontractor payables, equity erosion, and negative cash flow from operations that signal contractor distress.

Financial Deterioration Detection

Flags early warning indicators including declining margins, increasing receivables aging, rising subcontractor payables, equity erosion, and negative cash flow from operations that signal contractor distress.

Financial Deterioration Detection

Flags early warning indicators including declining margins, increasing receivables aging, rising subcontractor payables, equity erosion, and negative cash flow from operations that signal contractor distress.

Backlog Quality Assessment

Analyzes backlog composition by project type, owner category, contract structure, and geographic concentration to assess risk profile and calculate risk-adjusted bonding capacity.

Backlog Quality Assessment

Analyzes backlog composition by project type, owner category, contract structure, and geographic concentration to assess risk profile and calculate risk-adjusted bonding capacity.

Backlog Quality Assessment

Analyzes backlog composition by project type, owner category, contract structure, and geographic concentration to assess risk profile and calculate risk-adjusted bonding capacity.

Backlog Quality Assessment

Analyzes backlog composition by project type, owner category, contract structure, and geographic concentration to assess risk profile and calculate risk-adjusted bonding capacity.

Auditable Analysis Trail

Links every calculated ratio, extracted figure, and risk flag directly to the source location in financial statements and WIP schedules, creating a complete audit trail for underwriting file documentation and regulatory review.

Auditable Analysis Trail

Links every calculated ratio, extracted figure, and risk flag directly to the source location in financial statements and WIP schedules, creating a complete audit trail for underwriting file documentation and regulatory review.

Auditable Analysis Trail

Links every calculated ratio, extracted figure, and risk flag directly to the source location in financial statements and WIP schedules, creating a complete audit trail for underwriting file documentation and regulatory review.

Auditable Analysis Trail

Links every calculated ratio, extracted figure, and risk flag directly to the source location in financial statements and WIP schedules, creating a complete audit trail for underwriting file documentation and regulatory review.

Analyzes contractor financial packages

To deliver bonding capacity assessments and risk analysis.

Get started

Get started

Logo
Logo

Import your files

Microsoft Excel

,

Salesforce

,

Microsoft Sharepoint Online

Import your files from whereever they are currently stored

Customer voices

Customer voices

Connect AI to your underwriting guidelines.

Connect AI to your underwriting guidelines.

Turn contractor financial packages into bonding capacity decisions faster.

Turn contractor financial packages into bonding capacity decisions faster.

Finance

Legal

Insurance

Tax

Real Estate

Finance

Legal

Insurance

Tax

Real Estate

Finance

Legal

Insurance

Tax

Real Estate

Customer Voices

Industrial equipment sales

We are looking for V7 Go and AI in general to be the beating heart of our company and our growth. It will make us more productive as a company, liaising with customers, automating tasks, even finding new work.

Read the full story

Industrial equipment sales

We are looking for V7 Go and AI in general to be the beating heart of our company and our growth. It will make us more productive as a company, liaising with customers, automating tasks, even finding new work.

Read the full story

Insurance

We have six assessors. Before V7 Go, each would process around 15 claims a day, about 90 in total. With V7 Go, we’re expecting that to rise to around 20 claims per assessor, which adds up to an extra 30 claims a day. That’s the equivalent of two additional full-time assessors. Beyond the cost savings, there’s real reputational gains from fewer errors and faster turnaround times.

Read the full story

Insurance

We have six assessors. Before V7 Go, each would process around 15 claims a day, about 90 in total. With V7 Go, we’re expecting that to rise to around 20 claims per assessor, which adds up to an extra 30 claims a day. That’s the equivalent of two additional full-time assessors. Beyond the cost savings, there’s real reputational gains from fewer errors and faster turnaround times.

Read the full story

Real Estate

Prior to V7, people using the software were manually inputting data. Now it’s so much faster because it just reads it for them. On average, it saves our customers 45 minutes to an hour of work, and it’s more accurate.

Read the full story

Real Estate

Prior to V7, people using the software were manually inputting data. Now it’s so much faster because it just reads it for them. On average, it saves our customers 45 minutes to an hour of work, and it’s more accurate.

Read the full story

Features

Features

Results you can actually trust.
Reliable AI document processing toolkit.

Results you can trust.
Trustworthy AI document processing toolkit.

Supporting complex documents.

Up to 200 pages.

Contractor financial packages arrive in countless formats. This agent handles compiled financial statements, reviewed statements, tax returns, internally-prepared WIP schedules, accounting system exports, and scanned documents with varying layouts and quality levels.

Input types

50+ languages

Low-Quality Scans

200 pages

Multi-modal

Document types

PDFs

Complex Tables

Excel Models

Financial Reports

Accounting Exports

Vendor_US.xlsx

3

Supply_2023.pptx

Review_Legal.pdf

Supporting complex documents.

Up to 200 pages.

Contractor financial packages arrive in countless formats. This agent handles compiled financial statements, reviewed statements, tax returns, internally-prepared WIP schedules, accounting system exports, and scanned documents with varying layouts and quality levels.

Input types

50+ languages

Low-Quality Scans

200 pages

Multi-modal

Document types

PDFs

Complex Tables

Excel Models

Financial Reports

Accounting Exports

Vendor_US.xlsx

3

Supply_2023.pptx

Review_Legal.pdf

Supporting complex documents.

Up to 200 pages.

Contractor financial packages arrive in countless formats. This agent handles compiled financial statements, reviewed statements, tax returns, internally-prepared WIP schedules, accounting system exports, and scanned documents with varying layouts and quality levels.

Input types

50+ languages

Low-Quality Scans

200 pages

Multi-modal

Document types

PDFs

Complex Tables

Excel Models

Financial Reports

Accounting Exports

Vendor_US.xlsx

3

Supply_2023.pptx

Review_Legal.pdf

Reach 99% accuracy rate

through GenAI reasoning.

Bonding decisions depend on precise financial data. The agent uses multi-step validation workflows to ensure dollar amounts, percentages, and calculated ratios are extracted with exceptional accuracy, ready for underwriting decisions without manual verification.

Model providers

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Reach 99% accuracy rate

through GenAI reasoning.

Bonding decisions depend on precise financial data. The agent uses multi-step validation workflows to ensure dollar amounts, percentages, and calculated ratios are extracted with exceptional accuracy, ready for underwriting decisions without manual verification.

Model providers

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Reach 99% accuracy rate

through GenAI reasoning.

Bonding decisions depend on precise financial data. The agent uses multi-step validation workflows to ensure dollar amounts, percentages, and calculated ratios are extracted with exceptional accuracy, ready for underwriting decisions without manual verification.

Model providers

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Trustworthy results,

grounded in reality.

Build confidence in automated analysis. Every extracted figure, calculated ratio, and risk flag is visually linked to its exact source in the financial statements or WIP schedule, providing complete transparency for underwriting file documentation.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Trustworthy results,

grounded in reality.

Build confidence in automated analysis. Every extracted figure, calculated ratio, and risk flag is visually linked to its exact source in the financial statements or WIP schedule, providing complete transparency for underwriting file documentation.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Trustworthy results,

grounded in reality.

Build confidence in automated analysis. Every extracted figure, calculated ratio, and risk flag is visually linked to its exact source in the financial statements or WIP schedule, providing complete transparency for underwriting file documentation.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Enterprise grade security

for high-stake industries.

Contractor financial data contains highly sensitive business information. V7 Go processes all financial packages within your secure environment, ensuring confidentiality and compliance with data privacy standards while maintaining the audit trail required for regulatory examination.

Certifications

GDPR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

Enterprise grade security

for high-stake industries.

Contractor financial data contains highly sensitive business information. V7 Go processes all financial packages within your secure environment, ensuring confidentiality and compliance with data privacy standards while maintaining the audit trail required for regulatory examination.

Certifications

GDPR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

Enterprise grade security

for high-stake industries.

Contractor financial data contains highly sensitive business information. V7 Go processes all financial packages within your secure environment, ensuring confidentiality and compliance with data privacy standards while maintaining the audit trail required for regulatory examination.

Certifications

GPDR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

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Answers

Answers

What you need to know about our

AI agent for Construction Bond Underwriters

How does the agent handle different WIP schedule formats?

The agent is designed to process WIP schedules regardless of format variation. It identifies project-level data, contract values, costs incurred, billings, and gross profit across different layouts, whether presented in Excel, PDF, or accounting system exports, then normalizes the data for consistent analysis.

+

How does the agent handle different WIP schedule formats?

The agent is designed to process WIP schedules regardless of format variation. It identifies project-level data, contract values, costs incurred, billings, and gross profit across different layouts, whether presented in Excel, PDF, or accounting system exports, then normalizes the data for consistent analysis.

+

How does the agent handle different WIP schedule formats?

The agent is designed to process WIP schedules regardless of format variation. It identifies project-level data, contract values, costs incurred, billings, and gross profit across different layouts, whether presented in Excel, PDF, or accounting system exports, then normalizes the data for consistent analysis.

+

Can it apply our specific underwriting guidelines?

Yes. The agent connects to your Knowledge Hub containing your underwriting manual, bonding capacity formulas, and risk tolerance parameters. It applies your specific guidelines for working capital multiples, equity requirements, backlog limits, and project concentration thresholds when calculating available capacity.

+

Can it apply our specific underwriting guidelines?

Yes. The agent connects to your Knowledge Hub containing your underwriting manual, bonding capacity formulas, and risk tolerance parameters. It applies your specific guidelines for working capital multiples, equity requirements, backlog limits, and project concentration thresholds when calculating available capacity.

+

Can it apply our specific underwriting guidelines?

Yes. The agent connects to your Knowledge Hub containing your underwriting manual, bonding capacity formulas, and risk tolerance parameters. It applies your specific guidelines for working capital multiples, equity requirements, backlog limits, and project concentration thresholds when calculating available capacity.

+

What financial red flags does it identify?

The agent flags deteriorating current ratios, negative working capital trends, equity erosion, increasing debt-to-equity ratios, aging receivables concentration, rising subcontractor payables, negative cash flow from operations, projects with negative gross profit, and overbilling positions that exceed company guidelines.

+

What financial red flags does it identify?

The agent flags deteriorating current ratios, negative working capital trends, equity erosion, increasing debt-to-equity ratios, aging receivables concentration, rising subcontractor payables, negative cash flow from operations, projects with negative gross profit, and overbilling positions that exceed company guidelines.

+

What financial red flags does it identify?

The agent flags deteriorating current ratios, negative working capital trends, equity erosion, increasing debt-to-equity ratios, aging receivables concentration, rising subcontractor payables, negative cash flow from operations, projects with negative gross profit, and overbilling positions that exceed company guidelines.

+

How does it reconcile WIP to the balance sheet?

The agent automatically cross-references WIP schedule totals against balance sheet line items including costs and estimated earnings in excess of billings, billings in excess of costs, contract receivables, and contract payables. It flags discrepancies that require explanation or adjustment.

+

How does it reconcile WIP to the balance sheet?

The agent automatically cross-references WIP schedule totals against balance sheet line items including costs and estimated earnings in excess of billings, billings in excess of costs, contract receivables, and contract payables. It flags discrepancies that require explanation or adjustment.

+

How does it reconcile WIP to the balance sheet?

The agent automatically cross-references WIP schedule totals against balance sheet line items including costs and estimated earnings in excess of billings, billings in excess of costs, contract receivables, and contract payables. It flags discrepancies that require explanation or adjustment.

+

Can it track changes from prior submissions?

Yes. When you provide historical financial packages in the Knowledge Hub, the agent compares current metrics against prior periods, calculating trend analysis for key ratios, identifying significant changes in backlog composition, and flagging material deterioration in financial position.

+

Can it track changes from prior submissions?

Yes. When you provide historical financial packages in the Knowledge Hub, the agent compares current metrics against prior periods, calculating trend analysis for key ratios, identifying significant changes in backlog composition, and flagging material deterioration in financial position.

+

Can it track changes from prior submissions?

Yes. When you provide historical financial packages in the Knowledge Hub, the agent compares current metrics against prior periods, calculating trend analysis for key ratios, identifying significant changes in backlog composition, and flagging material deterioration in financial position.

+

What is the final output format?

The agent delivers a structured analysis including extracted financial metrics, calculated ratios, bonding capacity summary, risk flags, WIP schedule analysis, and backlog assessment. This output can be formatted as Excel, PDF report, or JSON for integration with your underwriting management system.

+

What is the final output format?

The agent delivers a structured analysis including extracted financial metrics, calculated ratios, bonding capacity summary, risk flags, WIP schedule analysis, and backlog assessment. This output can be formatted as Excel, PDF report, or JSON for integration with your underwriting management system.

+

What is the final output format?

The agent delivers a structured analysis including extracted financial metrics, calculated ratios, bonding capacity summary, risk flags, WIP schedule analysis, and backlog assessment. This output can be formatted as Excel, PDF report, or JSON for integration with your underwriting management system.

+

Next steps

Next steps

Still spending days analyzing WIP schedules manually?

Send us a contractor financial package and your underwriting guidelines. We'll show you how our agent delivers a complete bonding capacity analysis in hours instead of days.

Uncover hidden liabilities

in

supplier contracts.

V7 Go transforms documents into strategic assets. 150+ enterprises are already on board:

Uncover hidden liabilities

in

supplier contracts.

V7 Go transforms documents into strategic assets. 150+ enterprises are already on board: