Obtaining a Surety Bond

The best way is to apply through a licensed surety bond broker or agency that specializes in your type of bond. Online applications with access to multiple markets offer the fastest approvals and best rates.

Getting approved for a surety bond—especially if you have bad credit or have been denied for a surety bond before—is possible with our specialized process: 

Follow these steps: 

• Complete our online surety bond application.
• Fill out as much information as you can, even if you’re unsure about the exact bond type.
• Be upfront about your credit or prior denials.
• We focus on hard to place bonds and help applicants who have been turned down or have challenging credit.
• Submit your application for review. 
• Our team and partner surety markets are experienced in working with applicants needing a bad credit surety bond or those who have been denied elsewhere.
• We match you with the right surety bond provider.
• Our network includes specialty surety companies that approve hard to place bonds in all 50 states and U.S. territories.
• Personalized follow-up.
• If more information is needed, a bonding company representative will contact you to clarify details and help you get bonded. 

Tip:

Even if you have bad credit or have been denied a surety bond before, don’t give up. We specialize in helping you get approved for the surety bond you need. 

Simple commercial bonds can be issued instantly or within 24 hours. More complex or high-risk bonds may take 2–5 business days depending on underwriting.

Approval for standard bonds can happen the same day. Hard-to-place bonds or those requiring special underwriting may take a few days longer.

For applicants with strong credit and documentation, no. But for those with poor credit, past claims, or unique risks, they can be more difficult—though specialized brokers like Hard2PlaceBonds.com can still help.