The SBA Surety Bond Guarantee Program helps small and growing contractors get bonded when they can't qualify on the standard market. The SBA guarantees 80%–90% of the surety's potential loss, which lets sureties approve bonds they'd otherwise decline. It covers bid, performance, and payment bonds on contracts up to $9 million (and up to $14 million on federal contracts when a contracting officer certifies the need).
If you're newer, growing fast, rebuilding credit, or just don't have years of CPA-reviewed financials yet, this program can be the difference between bidding a job and sitting it out. In its 2025 fiscal year, the SBA backed a record $10.6 billion in bond guarantees for more than 2,200 small businesses — many in construction.
BettrBonds is set up to place SBA-backed bonds. Tell us about your situation and we'll tell you straight whether this is your path.
Frequently asked
Can I get bonded with bad credit?
Often yes. The SBA Surety Bond Guarantee Program lets sureties approve contractors with thinner credit by guaranteeing 80%-90% of their potential loss. BettrBonds places SBA-backed bonds for these situations.
What is the SBA bond guarantee limit?
Up to $9 million for any public or private contract, and up to $14 million for federal contracts when a contracting officer certifies the need.
Ready to get bonded?
Tell us about the job — a real bond expert responds the same business day.