Express Bonds (Credit-Based)
If your credit qualifies, our Express program issues contract bonds up to $3,000,000 (single and aggregate) and subdivision bonds up to $1.5M–$2M — primarily on credit, with no full financial package. Just a short online application.
The Express program qualifies you primarily on the strength of your personal credit, rather than a full CPA financial package. Contractors can access up to $3,000,000 in single-job and $3,000,000 in aggregate capacity, and builders, developers, and property owners can access subdivision and site-improvement bonds up to $1.5M–$2M — all for credit-qualified applicants.
One short online application gets you a quick answer — often the same day. No WIP schedules, no tax returns, no CPA financials to chase down. If a job grows beyond the Express limits, we transition you into a standard program without starting over.
Estimate your express bonds (credit-based) bond cost
Instant estimate on our real rates — then get the detailed breakdown and an exact quote.
Estimated first-term premium on a $500,000 bond — a flat 3% of the bond amount. The Express rate runs higher than fully-underwritten contract surety because it reflects limited underwriting: a one-page, credit-based application with no full financials or WIP. Final rate is confirmed at issuance.
Get the detailed breakdown + an exact quote
We'll send a line-by-line estimate for your express bonds (credit-based) and confirm your exact rate. Or call 610-489-6168.
Common express bonds (credit-based)
Express contract bonds
Bid, performance & payment bonds up to $3,000,000 single and aggregate — qualified on credit.
Express subdivision bonds
Site-improvement and completion bonds up to $1.5M–$2M for credit-qualified developers.
Online application
One short application and a credit review — no full financial package.
More in Contract Bonds
The bonds that back construction work — bid, performance & payment, bonding letters, and credit-based Express.
Bid Bonds
Same-day bid bonds that guarantee your proposal and your ability to bond the job if you win.
Learn more →Performance & Payment Bonds
The two bonds that back the job — performance guarantees the work, payment guarantees your subs and suppliers.
Learn more →Bonding Letters
A surety's letter confirming your bonding capacity — single-job and aggregate — for prequalification and bids.
Learn more →What we need to quote
Completed online Express application
Owner's information for a credit review
Bond form and amount
Express Bonds (Credit-Based) FAQ
What qualifies for Express?
Contract bonds up to $3,000,000 (single and aggregate) and subdivision bonds up to $1.5M–$2M, where the owner's credit supports it. We confirm your exact limits and any program nuances up front.
Do I still need financials?
Usually not a full CPA package for Express — we rely mainly on credit, which is why it's fast and the application is short. Larger or more complex programs move to standard underwriting.
How quickly does Express issue?
Often the same day once we have the application and bond form. It's the fastest path to bonding for credit-qualified contractors and developers.
Forms for express bonds (credit-based)
Express Bonds (Credit-Based) by state
Requirements and obligees vary by state. Choose yours for express bonds (credit-based) specifics — we write in all 50 states and D.C.
Get your express bonds (credit-based) bond
Tell us what you need and we'll confirm the exact form and requirements, then get it issued cleanly. Same-day turnaround on most bid bonds.
Start Your Bond Request
One form, every bond type — or chat with us and we'll confirm requirements right away.
All bond types — contract, subdivision & commercial
Request a Bond→One form for every bond request — we'll confirm requirements and route it right away.
✓ We'll review your submission, confirm any missing details, and follow up with a quote or next steps — typically within 1 business hour during business hours.
Available Mon–Fri — or leave a message and we'll follow up same day.