Our Industry Relationships
Built on Relationships. Strengthened by Experience.
Construction is a team effort. For more than three decades, we’ve worked alongside contractors, public agencies, surety professionals, lenders, and advisors to help construction companies build stronger businesses.
Public Work
The Agencies and Organizations Our Clients Serve
These are the agencies and organizations our contractor clients build for. Agency marks are shown to indicate the public work our clients perform and do not imply endorsement, affiliation, or approval by those agencies.
Who We Serve
The Contractors We Serve
A broad range of construction companies rely on Incorvaia because we understand the financial, tax, and surety challenges unique to their specialty.
General Contractors
Site & Infrastructure Contractors
Heavy Highway & Road Construction
Commercial Real Estate Developers
Home Builders
HVAC Contractors
Electrical Contractors
Masonry Contractors
Roofing Contractors
Acoustical Contractors
Utility Contractors
Concrete & Foundation Contractors
Excavation & Earthwork Contractors
Mechanical Contractors
Plumbing Contractors
Painting Contractors
Window Contractors
…and many other specialty contractors throughout the construction industry.
Trusted Alongside
The Professionals Who Rely on Our Work
Surety Partners
Banking Partners
Professional Relationships
Surety Brokers & Agents
Commercial Lenders
Construction Attorneys
CPA Firms (General Practice)
Insurance Underwriters
Questions We Are Asked
For the Professionals Who Rely on Our Work
For Surety Professionals
How quickly can you get my client’s financial statements completed?
Timeliness is part of the service.
We know a late financial statement can delay a bond renewal, an increase in bonding capacity or approval for a particular opportunity. That’s why preparation begins before year-end whenever possible.
Our objective is simple: provide accurate, credible financial information when our clients and their surety professionals need it.
Do you understand what the underwriter is looking for?
Yes.
We have spent decades preparing contractor financial statements used by the surety community. We understand the importance of working capital, equity, backlog, profitability, WIP reporting, cash flow, debt and the quality and presentation of the financial information being provided.
Our statements are prepared knowing who will be reading them and why.
Will you speak directly with me or the underwriter?
Absolutely.
Good communication between the contractor, CPA, surety broker and underwriter can be extremely important.
When questions arise regarding our financial statements or additional information is needed, we make ourselves available. Our goal is to help the parties understand the financial picture, not create another obstacle in the process.
Can you help when a contractor is trying to stretch the limits of the existing bonding program?
We can help everyone understand the financial picture and determine what may be possible.
Sometimes that means providing interim financial information, discussing work-in-progress, explaining a significant transaction or helping the contractor understand what needs to improve financially.
We cannot make the underwriting decision, but we can make sure the contractor’s financial information is timely, accurate and clearly presented.
What happens if you see a problem developing?
We address it.
Problems rarely improve because nobody talks about them.
If we see declining margins, working-capital pressure, unusual distributions, tax exposure, cash-flow concerns or another issue that deserves attention, we want to discuss it with the client early.
The objective is not simply to report problems after year-end. It is to give the client an opportunity to respond while something can still be done.
Why should I refer a contractor to Incorvaia?
Because we understand that your reputation is part of the referral.
When a surety professional introduces us to a contractor, we recognize the trust involved. Our responsibility is to take care of that client, communicate, meet deadlines and provide financial reporting that supports the relationship.
We want our referral partners to have one less thing to worry about.
For Commercial Lenders
Do you understand what the bank needs from a construction borrower?
Yes.
Construction companies present financial issues that are different from many other businesses. We understand WIP schedules, backlog, retainage, working-capital requirements, equipment financing and the cash-flow demands created by construction projects.
Our objective is to provide financial information that allows lenders to understand the business clearly.
Will you assist with annual credit-line renewals?
Yes.
Credit-line renewals occur throughout the year, and we work with clients to provide the financial statements and supporting information their lenders require.
Whenever possible, we want to anticipate those requirements rather than respond to them at the last minute.
What Our Clients and Partners Say
In Their Words
As our construction company has grown, Incorvaia has helped us develop stronger financial systems and a clearer understanding of our performance. Their team knows which numbers matter—from job profitability and backlog to cash flow and bonding capacity—and gives us practical advice we can use.
Atinderpal Singh · President, Bhaghiana General Construction Inc.
Incorvaia understands what surety professionals need from a contractor’s CPA. Their financial statements are timely, accurate, and presented with a clear understanding of work-in-progress reporting, backlog, cash flow, and bonding capacity. Their knowledge of bonded construction makes them a valuable resource for both contractors and their surety partners.
John Crowley · Vice-President, EPIC Insurance
As a bonding agent, when someone asks for a CPA referral, Anthony Incorvaia is always the first CPA to come to mind. He understands surety and the importance of providing a financial statement that will meet underwriting requirements. His response time is exceptional, including during tax season. Our clients are very happy with him, as are we!
Jenn O. · Google review
For over 25 years Anthony has been my trusted accountant from the start of my company in 1998 to the present. Highly recommend him.
Helen Piovesan · Google review
A Network Built on Trust
The strongest construction companies are built on strong relationships. We’re proud to support the contractors who build our communities—and the professionals who help them succeed.