To get bonded, you apply through a surety bond agency, which collects basic information about you and the project, then submits it to a surety underwriter for approval. For bonds under about $750,000 you usually just need a short application and decent credit; for larger bonds, the surety reviews your business and personal financial statements, work history, and credit. A well-prepared contractor can often be set up within a few business days.
What to have ready
- Business financial statements (balance sheet, income statement; CPA-prepared for larger programs).
- Personal financial statement for the owners.
- Work-in-progress / completed jobs schedule — what you've built and what's underway.
- Resume of experience on similar-size projects.
- The contract or bid details for the job you're bonding.
We walk you through assembling this "bond package" and present you to the surety in the best light. Newer or credit-challenged? Ask about our SBA-backed program.
Frequently asked
How long does it take to get bonded?
Small bonds can be issued in a day or two with a short application. Larger contract bonds take a few business days once financial statements and work history are assembled.
What do I need to get bonded?
Typically business and personal financial statements, a work-in-progress schedule, a resume of experience, and the contract or bid details.
Ready to get bonded?
Tell us about the job — a real bond expert responds the same business day.