Bond Referral

Non-Standard Surety Bond Referral

Bond Referrals to CCI Surety

Standard markets are designed to give the best possible bond rates on contract bonds to clients that have strong and sophisticated financials and favorable credit reports. When a surety is unable to extend a bond program, there is a secondary market for contract bonds. CCI Surety focuses on this type of business and may be able to write bonds for contractors with weaker financial preparation or low credit scores.

Agents Shop Accounts

Sometimes the account may only need a non-standard market bond line for a short time while they reorganize or strengthen financials. Once your account is ready, it will likely return to the original standard surety for consideration.
If you decline an account and the agent brings it to market that handles non-standard accounts as well as standard accounts, then a new relationship begins that may provide more competition for that agent’s standard accounts as well. CCI Surety is a non-standard-only market, and we will not have the capacity to compete on standard accounts with your agent.

Quick Program or Fast Track Bond Referrals

CCI Surety can also be a home for accounts that have been declined by your standard market quick bond programs. Quick Programs often have minimum credit scores and other standards that must be met in order to write the bond. CCI Surety has similar programs that have no credit score minimum. The size of each program may vary but CCI Surety does utilize non-standard quick programs that may not require any financials up to $400,000. In some cases, more financial information may be required, but typically in-house financials may suffice.

Start Bond Referral Process

CCI Surety can start from whatever submissions and applications agents have already filled out for your surety. Your agent starts by getting in touch directly with an underwriter that will be making a decision on their account. They will follow up with any information they may need to keep your account moving forward.

Call: 866-317-3294

Email Questions or Submissions to:

Chat instantly during business hours in the bottom right corner of this page.

If you have any questions about a bond declined for low credit score or need more information about our Bond Application, don’t hesitate to contact us –

Jim Dillenburg

Bond Declined for Low Credit Score

Our Home Office handles SBA Quick Bond Guarantee Program situations in Maine, Vermont, New Hampshire, Massachusetts, Connecticut, New York, Pennsylvania, New Jersey, Rhode Island, Delaware, Maryland, Virginia, West Virginia, Ohio, Kentucky, Tennessee, Arkansas, Texas, Oklahoma, Kansas, Missouri, Illinois, Indiana, Michigan, Wisconsin, Minnesota, Iowa, Nebraska, South Dakota, North Dakota, Montana, Wyoming, Colorado, New Mexico, Arizona, Utah, Idaho, Nevada, Oregon, Washington, California, Hawaii, Alaska, and Washington D.C.

Western Region Office: Contract Bonds in Alaska, Arizona, California, Hawaii, Nevada, New Mexico, Oregon, Utah and Washington


Payment & Performance ★ Bid ★ ERISA ★ Motor Vehicle Dealer Bonds ★ BMC-84 ★ Wage & Welfare ★ License and Permit ★ Commercial ★ Contract ★ Miscellaneous

Please Note: We can always get started working on any Bond Referral application that you have already prepared for other markets. CCI Surety, Inc. specializes in hard to place contract bonds that may have previously been declined by other sureties. We use different kinds of tools which allow us the freedom to think outside the box with our underwriting strategy. We are able to get comfortable with difficult bond referral situations using escrow / funds control, SBA Quick Bond program and working capital deposits as different options to get the bond approved. CCI also has a very successful Easy Start Program for bond referral contracts between $400,000 and $1,000,000 that may be obtained with a two page application plus any financial documents that are available. On commercial bond business we handle both standard and non standard business. Contract Bonds – Multiple Markets – Can Provide A+ rated bonds – $3M in-house authority, up to $15M from home office – Quick Turn around – No Agency Requirements SBA Backed Bonds – 2017 Top National SBA Bond -Agent of the Year 2012 National SBA Bond Producer of the Year – Potential to approve bonds even with negative working capital – SBA Bond Program now covers bonds up to $6.5M and in some cases $10M Commercial Bonds – Standard and Non-Standard Bonds – Experienced staff specialized in handling Commercial Bond Referral needs – License and Permit, Fidelity, ERISA, Business Services and Court Bonds – Miscellaneous Bonds