Bad-credit bonding by the numbers
- $25,000
- California contractor license bond, required since Jan 1, 2023
- CA Business & Professions Code, 2023
Credit is a rate factor, not a wall
Instant-issue sites treat credit as a yes-or-no gate: outside their box, you are declined. A broker treats it as a pricing factor and shops the markets that write credit-challenged files. The result is usually a higher rate, not a closed door, and cost by credit score shows roughly where each tier lands.
What we place
- Low credit scores, collections, or a recent rough patch
- Thin or no credit history at all, including applicants bonding on an ITIN
- Prior surety claims or losses, and bonds after a bankruptcy or tax lien
- New businesses with no track record yet
See the full picture on hard-to-place surety bonds.
The honest part
We never promise guaranteed approval, because every surety bond goes through underwriting. What we promise is that we will work your file across the markets that say yes to tough credit, and tell you straight what it takes.
Start with a quote
Tell us about the situation and we will shop it. Begin a hard-to-place quote; there is no card or SSN to get started.