Platforms

One core platform, configured to the way your team writes bonds.

Every Suttonsoft platform shares one core for accounts, programs, liability, approvals and risk. Each client's instance is configured with its own forms, authority structure and reporting, so there is no custom build to pay for or wait on.

Liability & authority management

Track maximum and outstanding liability by account, principal and program. See remaining capacity against every line of authority before a bond is written.

Real-time maximum and outstanding liability by account, principal, program and obligee.
Remaining capacity checked against each line of authority before approval.
Aggregate exposure views for leadership and reinsurance reporting.

Bond requests & approvals

Take in, route and approve bond requests, with rules for auto-approval and escalation and a full audit trail. Requests arrive by web form or API.

Structured intake by web form or API.
Rules-based auto-approval inside defined limits; escalation above them.
Full audit trail: who requested, who approved, on what terms, when.

Credit analysis & risk metrics

Turn a contractor's financial statements into ratios and an indicative credit score that an underwriter can trace line by line.

Reads statements, including scans, inside the platform's own cloud environment, with no outside AI service.
Shows every figure beside the statement line it came from.
Scores financial strength and liquidity, backlog against capital, and concentration on a rating-style scale. Scores are indicative and support underwriting judgment; they are not credit ratings.
Optional second-reviewer sign-off before a reading is used.
Every analysis is saved with the engine version that produced it, so a methodology update never re-scores past work.
Trends across fiscal years, with weightings configured to each underwriting philosophy.

Financial spreading & work in progress

Spread fiscal statements, track work in progress, and keep each account's financial story in one record.

Fiscal statement entry and spreading in one standard format.
Work-in-progress tracking that feeds the financial picture.
One record per account: financials, history, documents and notes.

Multi-currency programs & bonds

Manage programs and bond records in their own currencies, and report the totals in one.

Exchange rates for every currency, updated automatically.
Programs, program splits and bond rates kept in their original currency.
Totals rolled up in a reporting currency by office, country and region.
A bond data importer for bringing existing portfolios across.

Subcontractor default insurance (SDI)

Track, manage and report on subcontractor default insurance programs in one system, from the policy down to each subcontractor.

Programs, policies and projects, with the subcontractors and assignments on each.
Carriers and contacts for every program.
Claims tracking and reporting.
Large & Long Referrals tracked and reported.
Secure access for contractor clients to submit project data and documents.

External user access

Principals and contractors can submit and review securely when you choose to invite them.

Invite principals, contractors or client managers to submit requests and review status.
Role-based permissions keep each external user to their own accounts.

Reporting & dashboards

Portfolio exposure and the request pipeline in one view.

Portfolio, pipeline and approval-turnaround dashboards.
Export to Excel and PDF for committees and carriers.

See the platforms in a 45-minute walkthrough.

Suttonsoft walks your team through everyday surety work, then sends the security packet for your vendor-risk review.

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