THE PROBLEM
Most RGV contractors aren't ready for public money.
ISD bond contracts aren't side jobs — they come with compliance, documentation, and financial scrutiny most small contractors have never dealt with.
Messy Books = No Bond
Surety companies require clean financials before they'll issue a performance bond. No bond, no bid.
Payroll Chaos
Crews expand and shrink per phase. Missed payroll filings mean IRS penalties — fast.
1099 Nightmare
Every sub needs a 1099. Miss one, and you're on the hook for backup withholding at 24%.
Blind Bidding
Without job costing, you don't know if a project made money until it's too late.
Bond Amount
Construction Phases
Campus Projects
Contractor Opportunities
THE SOLUTION
SmartBook Contractor.
Bookkeeping built specifically for RGV contractors chasing public money. We handle the financial back-office so you can focus on winning and delivering projects.
Job Costing by Project
Know exactly what each contract costs you — labor, materials, subs — in real time.
Payroll That Scales
From 3 guys to 30. Weekly payroll, 941s, W-2s, handled without hiccups.
1099 & Sub Tracking
Every subcontractor documented, filed, and compliant. No surprises at year-end.
Bond-Ready Financials
Clean books your surety company will love. Get bonded, win bigger contracts.
P&L by Project
Monthly profit & loss broken down per job so you see winners and losers.
Tax Coordination
We prep everything your CPA needs. No scrambling, no extensions.
Pricing
Choose Your Tier
All plans are month-to-month. No contracts. Cancel anytime.
Contractor Essential
For solo contractors & small crews entering the bond market
- ✓Monthly bookkeeping + reconciliation
- ✓Payroll (up to 10 employees)
- ✓941 quarterly filings + W-2s
- ✓Subcontractor 1099 tracking + filing
- ✓Basic job costing (single project)
Contractor Growth
For GCs running multiple bond projects with growing crews
- ✓Everything in Essential
- ✓Multi-project job costing + tracking
- ✓Progress billing reconciliation
- ✓Certified payroll reports
- ✓Sales tax compliance
- ✓Dedicated bookkeeper
- ✓Monthly P&L by project
Contractor Premium
For established contractors managing 7-figure public contracts
- ✓Everything in Growth
- ✓Unlimited employees & subs
- ✓Tax coordination with your CPA
- ✓Cash flow forecasting by project
- ✓Bond compliance document prep
- ✓Priority response + quarterly strategy call
- ✓Year-end CPA-ready package
Need a books cleanup first? One-time setup starts at $1,500.
Get Bond-Ready
We'll call you within 24 hours to confirm.
HOW IT WORKS
From messy books to bond-ready in 30 days.
Free Consultation
15 minutes. We assess where your books stand and what you'll need for bond work.
Books Cleanup
If needed, we get your financials organized and surety-ready.
Onboarding
QBO setup with job costing, payroll config, and sub tracking.
Ongoing Support
Monthly bookkeeping, payroll, filings — you build, we handle the numbers.
They took my shoebox of receipts and turned it into financials my bank actually respected. Got approved for my first equipment loan within 60 days.
— RGV Contractor, NBC Client Since 2023
Don't win the contract and lose the profit.
Get your books in order now — before the bid invitations go out. 15-minute call, no strings, and we'll tell you exactly where you stand.
315 W Nolana Ave, Suite G • McAllen, TX 78504
Mon–Fri 11AM–5PM • (956) 997-9100 • info@nationalboco.com
© 2026 National Bookkeeping Company — A Pioneer Zeal Enterprises Company