Surety Bonds
How Can I Get a Surety Bond With Bad Credit?
Yes — specialty surety markets provide bonding for contractors with poor credit. Rates are higher (5–15%), but bonding is available even with significant credit challenges.
Call (234) 231-8427 — Mon–Fri 9AM–5PM EST
Can I get a surety bond if I have bad credit?
Standard sureties decline applications with credit scores below 600. Specialty (non-standard) sureties exist specifically for hard-to-place cases — they charge more but provide access when standard markets won’t.
Options with bad credit: specialty market bonding at 5–15% rates; collateralized bonds (post cash/CD as security); co-indemnitor arrangements (a stronger financial partner co-signs).
Trade Safe works with multiple specialty surety markets for exactly this situation. We regularly place bonds for contractors who’ve been declined elsewhere. Call us with your situation — there’s almost always a path to getting bonded.
Need a surety bond fast?
Trade Safe helps contractors get bonded same-day in most cases. We work with multiple surety markets to find the best rate for your situation.