# How do I get a surety bond? *Reviewed 2026-05-15* ## Short answer You apply through a surety provider with information about your business, the bond type, and the amount the obligee requires, and the surety underwrites the request. Small license bonds are often approved quickly with little review, while larger bonds may ask for financial statements and a personal guarantee. Once approved, you pay the premium and receive the bond to file with the obligee. The starting point is knowing which bond you need and the exact amount, which the state, court, or project owner sets. From there you provide business details and, depending on the bond size, credit and financial information. The surety reviews the risk and quotes a premium rate. For many fixed-amount license bonds the process is fast and the rate is set. For larger or contract bonds, underwriting looks closer at financials and experience. After you accept and pay the premium, you get the executed bond to submit to the obligee that required it. ## Related - [Surety bond services](/bonds) - [Talk with our team](/services) - [Request a bond quote](/contact)