Matt brings four years of hands-on experience with the U.S. Small Business Administration's Surety Bond Guarantee Program. He has helped contractors who were declined in the standard market secure bid, performance, and payment bonds on projects they would not have qualified for otherwise. His specialty: emerging contractors, growing operations, and contracts that don't fit a clean underwriting box. A graduate of the University of Georgia Terry College of Business, Matt combines a formal business education with deep practical knowledge of surety underwriting, SBA program rules, and the realities of contractor financials. He believes the best surety relationships are built on real conversation, not a portal.