Express Bonds (Credit-Based) in Colorado
The Keating Agency writes express bonds (credit-based) across Colorado. 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.
In Colorado: Colorado's locally licensed contractors bidding sub-$3MM CDOT, county, and municipal work can secure a 5% bid bond through Express on the owner's credit, with same-day issuance and minimal underwriting.
Estimate your Colorado express bonds (credit-based) bond cost
Enter the bond amount Coloradorequires and we'll estimate your premium — then send 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.
Types of express bonds (credit-based) in Colorado
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.
What we need to quote in Colorado
Completed online Express application
Owner's information for a credit review
Bond form and amount
Express Bonds (Credit-Based) in Colorado — 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.
Get your express (credit-based) bond in Colorado
Send the bond form and amount and we'll confirm the Colorado requirements and get it issued — often the same day. A-rated carriers, statewide.
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.