Bad Credit Bond Program

Get a Surety Bond even with bad credit!

Credit Problems? Can’t Get Approved? Sign up for our new exclusive Bad Credit Bond Program! If you need a bond, but have poor or no credit, South Coast Surety has the answer.

We represent a number of surety companies that will approve commercial and miscellaneous surety bonds for individuals and companies with less than standard credit. Our carriers are writing Non-Standard Surety Bonds, and these programs are Not For Contract Bonds.

Special Program for Small & Medium Contractors

All bonds approved in-house. Basic underwriting requirements are:
  • Good personal credit
  • 3 Year experience in this field
  • Projects that can be completed in 36 months or less
  • No excessive warranty periods or excessive liquidated damages
  • Project size within the size & scope of the normal projects the
    contractor has completed or supervised
For Single jobs up to $400,000*
  • Complete and sign the Contract Express Bond Application in detail
  • Send the Application with
  • Copy of the Contract or Bid Request Title Page
  • Bid bond or Performance bond and Payment bond forms
For Single jobs up to $1,000,000*
  • All the above plus:
  • Current Personal Financial Statement
  • 2-3 years Business Financial Statement/Tax Returns

Express Contract Bonding State Bond Services

For Aggregate Bond Programs up to $800,000*
  • All the above plus:
  • Current Personal Financial Statement
  • Current Business Financial Statement/Tax Returns
For Aggregate Bond Programs up to $1,500,000*
  • All the above plus:
  • 2-3 yrs Business Financials
Call South Coast Surety
Need Larger Bid Bonds, Performance Bonds and Payment Bonds?

Visit our Contract Bonding page for additional information. This page also contains required information for establishing a standard Contract Surety Bond line.

Still not what you’re looking for? Give our team a call!

800-361-1720
Black Arrow

What Our Customers Have to Say

I have processed 2 defective title bonds through South Coast Surety and I am the type that gets worried for any little detail and want to make sure everything is done correctly the first time to prevent double work for myself and everybody. Knowing how I am both times I had to call customer service and they answered every little question I had in a very nice and gratifying way that made me feel I would not have any problems in which I did not. South Coast Surety has the ultimate best customer service.

5 Star Review

Gaby - CA
May 2019

I was shopping for a surety bond for the first time and having trouble communicating with several different companies. When I contacted South Coast Surety they responded quickly and performed the transaction quick and easy. I might have been able to find a lower price, but their professionalism was worth a couple extra dollars.

5 Star Review

KG C. - CA
April 2019

We are opening up a Mental Health Residential Treatment Center and needed a Surety bond since we will be handling some clients cash resources. I reached out to South Coast Surety, they sent me an application, paid our premium and had our bond sent to us immediately. Everyone I spoke to and emailed was courteous, attentive and responded very quickly. We will most definitely continue to get all of our bond services from South Coast.

5 Star Review

John F. - CA
September 2021

Great customer service from South Coast Surety. When I had questions about the bond and process, their customer service team assisted me with a sense of urgency and answered my questions. I recommend using their services. I will be a returning customer.

5 Star Review

P&C B. - CA
April 2021

I needed a surety bond and was referred by another company to south coast. I am very impressed with the level of customer service in every stage of issuing the bond, the rapid response to the get the bond issued and communication with the team. Great team and awesome service. I highly recommend South Coast Surety for you bond needs.

5 Star Review

Mirwais A. - CA
March 2021

I was in need of obtaining my CA Insurance Bond. I was able to obtain my required Bond quote online within minutes. I approved the quote and requested the Bond to be issued. On the same day, I received the Evidence of Coverage. Could not ask for better pricing or better service. I highly recommend South Coast Surety to meet a wide range of Bonding needs.

5 Star Review

Udo G. - NJ
January 2018

Celebrating 25 Years of Committed Surety Service

South Coast Surety has been proudly providing surety support to all fifty U.S. states for twenty years. Starting out as a small agency with a dream in San Clemente, California, we have steadily grown into one of the largest bond-only agencies in the nation. We write all commercial bonds and contract bonds for every American business and industry. Our greatest achievement is helping our clients grow their business alongside our own through coaching and obtaining larger bonding limits at the best rates. We work hard for our clients and take pride in bonding businesses that have been declined by our competitors.

South Coast Surety 25 Years
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