Capital for your next contract bond — WithBonded
We connect small business owners and contractors to lenders who provide performance and license bond financing, even when traditional banks say no.
Soft credit check only. Does not affect your credit score.
- Bid Bond
- Performance Bond
- Payment Bond
- Obligee
- Principal
- Surety
- Indemnity Agreement
- Credit Enhancement
Surety and performance bond financing for small businesses and contractors
Financing options matched to your situation, in one place.
- Performance Performance bond financing Secure capital to satisfy mandatory project performance obligations.
- License License and permit bonds Obtain the bonds required to maintain your local business license.
- Bad-Credit High-risk bond financing Financing solutions for bonds when your credit score is below 650.
- Bidding Bid bond assistance Funding to secure bid bonds for competitive project submissions.
- $5K–$500K Bond financing range
- 24–48 hours Approval turnaround time
- 10+ lenders Specialized network
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Contractor-specific lenders
- Lenders familiar with construction and trade requirements.
- Fast surety bond approval for 2026 bidding deadlines.
Credit flexibility
- Options available for credit scores below 650.
- We focus on your project history and operational viability.
Transparent terms
- Fixed interest rates available for 2026 terms.
- Clear breakdown of fees and no hidden collateral requirements.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low personal credit
Banks often deny applicants with scores below 680 due to strict risk policies.
New business history
Lenders fear the unknown with startups or first-time contractors.
High bond amount
Large bonds exceed standard automated underwriting limits.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
General Contractor
Commercial project performance bond required for state contract.
HVAC Installer
Municipal license bond compliance for annual permit renewal.
Electrical Sub
Heavy industrial contract bidding for regional energy site.
Road Paving Co
State highway performance requirement for road repairs.
General liability insurance
Once your bond is in place, protect your operations from lawsuits and property damage with our partner liability coverage.