call us: 877.514.5146

North Carolina Surety Bonds

  • Possible to get bonded with bad credit
  • Fast and secure online application
  • Lowest rates on all bonds
  • 100% money back guarantee
northcarolina.png

How Do I Get My Bond?

Start Your Application


Fill out the online application form

Receive Your Free Quote


You will be sent your quote in minutes

Buy Your Surety Bond


We offer secure payment options

What is a North Carolina surety bond?

If you are required to post a surety bond in North Carolina, it’s essential to learn more about surety bonds in general. The easiest way to describe them is as a contractual agreement between three sides:

  • A principal
  • An obligee
  • A surety

The principal is the side that needs to post the bond and the obligee is the one requiring it. The role of the surety is to underwrite the bond and effectively vouch for the actions of the obligee. Surety bonds are most frequently required when a business needs to obtain a license or a permit.

Lance Surety Bonds offers all types of North Carolina surety bonds, even for applicants with bad credit. All of our bonds are issued by A-rated and T-listed bonding companies.

Do you know the name of the surety bond you need? Simply find it in the table below and click on the button above to complete our online application.

If you have questions or need additional assistance, simply call us at (877)-514-5146.

Find Your North Carolina Surety Bond

Agricultural (Non-Livestock) Bond Grain Dealer's Bond NC Dept. of Agriculture and Consumer Serv. Apply Now
Contractor License (No P&P Language) Bond Irrigation Contractor's License NC Irrigation Contractors Licensing Board Apply Now
Contractor License (No P&P Language) Bond Land Use and Construction Bond Mecklenburg County Land Use & Environmental Servic Apply Now
Contractor License Performance & Payment (Local) Bond Privilege License Bond City of Greensboro Apply Now
Contractor License Performance & Payment (Local) Bond Contractor License Performance & Payment (Local) B Obligee info for this request was wrong Apply Now
Contractor License Performance & Payment (State) Bond Set-Up Contractor License NC Manufactured Housing Board Apply Now
Contractor License Performance & Payment (State) Bond Home Warranty Bond State of North Carolina, County of Wake Apply Now
Contractor License Performance & Payment (State) Bond Modular Building Set-Up Contractor License Bond North Carolina Department of Insurance Apply Now
Contractor License Performance & Payment (State) Bond Landscape Contractors' Licensing Compliance Bond NC Landscape Contractors Board Apply Now
Investment Advisor (Blue Sky) Bond Investment Advisor's NC Secretary of State Apply Now
Collection Agency Bond 2013-2014 New Domestic Collection Agency Bond Dept of Insurance Apply Now
Debt Consolidators Bond Credit Repair License Attorney General Apply Now
Professional Fund Raisers Bond Solicitors NC Sec. of State: Charitable Solicitation Section Apply Now
Insurance Adjusters Bond Public Adjuster Insurance North Carolina Dept of Insurance Apply Now
Insurance Agents/Brokers Bond Broker Insurance Commissioner of Insurance Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Mortgage Broker Surety Commissioner of Banks Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Reverse Mortgage Bond Commissioner of Banks Apply Now
Mortgage Broker (1st & 2nd Mortgages) Bond Mortgage Broker Bond North Carolina Commissioner of Banks Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Mortgage Lender Commissioner of Banks Apply Now
Mortgage Lender/Banker (1st & 2nd Mort.) Bond Mortgage Lender Commissioner of Banks Apply Now
Small Loan Companies Bond Loan Broker North Carolina Secretary of State Apply Now
Defective Title Bond Motor Vehicle Certificate of Title Indemnity Bond NC DMV Vehicle Title Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Motor Vehicle Dealer Division of Motor Vehicles - License & Theft Burea Apply Now
Auto & Mobile Home Dealers (New & Used) Bond Manufactured Housing Dealers Dept of Insurance Division of Motor Vehicle Apply Now
Auto & Mobile Home Dealers (Used Only, No New) Bond Motor Vehicle Dealer Division of Motor Vehicles - License & Theft Burea Apply Now
Sport Permits Bond Boxing & Mixed Martial Arts Promoter's Surety Bond Dept. of Crime Control & Public Safety, Alcohol La Apply Now
Employment Agencies Bond Professional Employer Organization Department of Insurance Apply Now
Professional Licenses (All Other) Bond Professional Licenses (All Other) Bond NC Department of Crime Control & Public Safety Apply Now
Professional Licenses (All Other) Bond Precious Metals Dealer (CC&PS Form 7) NC Department of Crime Control & Public Safety Apply Now
Professional Licenses (All Other) Bond Business Opportunity Surety Bond State of North Carolina Apply Now
Professional Licenses (All Other) Bond Prepaid Entertainment Attorney General Apply Now
Professional Licenses (All Other) Bond City of Asheville License Bond City of Asheville - Public Works Department Apply Now
Professional Licenses (All Other) Bond Public Utility Franchise Bond North Carolina Utilities Commission Apply Now
Professional Licenses (All Other) Bond Precious Metal Dealer Bond NC Department of Public Safety Apply Now
Schools (All) Bond Community College License Bond State Board of Community College Apply Now
Schools (All) Bond Commercial Driver Training School and Instructors NC Division of Motor Vehicles Apply Now
Schools (All) Bond Barber School Guaranty Bond Board of Barber Examiners Apply Now
Schools (All) Bond Cosmetic Art Examiners Guaranty State Board of Community College Apply Now
Schools (All) Bond Private School Bond North Carolina State Approving Agency Apply Now
Cigar/Cigarette & Tobacco Tax Bond Tax Bond for Tobacco Products Other Than Cigarette North Carolina Dept. of Revenue Apply Now
Cigar/Cigarette & Tobacco Tax Bond Tax Bond for Cigarettes NORTH CAROLINA DEPT OF REV Apply Now
Fuel Tax (All Others, Sellers & Users) Bond Motor Fuels Tax Liability Bond North Carolina Department of Revenue Apply Now
Utility Deposit Bond Duke Energy Duke Energy Apply Now
Utility Deposit Bond Utility Deposit Bond Progress Energy Carolinas, Inc. Apply Now
Utility Deposit Bond Utility Guarantee Bond Kinston Public Services Apply Now
Utility Deposit Bond Union Power Cooperative Bond Union Power Cooperative Apply Now
Utility Deposit Bond Utility Deposit Bond Dominion North Carolina Power Apply Now
Utility Deposit Bond Utility Deposit Bond Duke Energy Florida, Inc Apply Now
Utility Deposit Bond In Lieu of Deposit Bond City of New Bern Apply Now
Utility Deposit Bond (Duke Energy) Electric Service Bond Duke Energy Progress Apply Now
Financial Guarantee (All Other) Bond GUARANTY The North Carolina Community College System Apply Now
Financial Guarantee (All Other) Bond Guaranty North Carolina Community College System Apply Now
Lottery Bond Education Lottery Bond North Carolina Lottery Commission Apply Now
Lottery Bond Education Lottery Bond North Carolina Lottery Commission Apply Now
Appraisal Management Appraisal Management Company Bond North Carolina Appraisal Board Apply Now

Frequently Asked Questions

Who needs to post a surety bond in North Carolina?

There are three main categories of surety bonds, based on who needs to obtain them:

  • License bonds - the biggest category of bonds, required from businesses to ensure that they act in compliance with applicable laws and regulations
  • Contract bonds - most frequently required for work on public construction projects to ensure the proper completion of a project
  • Court bonds - these types of bonds are required from fiduciaries, guardians or individuals wishing to appeal a court decision in front of a higher instance

How much does getting a surety bond cost?

Each surety bond has a different total bond amount, which refers to the maximum coverage it can offer to successful claimants. Therefore, to calculate your bonding cost, you need to start with this amount. For example, a North Carolina auto dealer bond is $50,000.

However, a dealer wishing to obtain that bond and get a license, will not be required to post the full amount. Instead, they pay yearly premiums, which are a small percentage of the total amount, especially if they have a good credit score. Surety underwriters consider credit score essential when examining a particular application. Applicants with a good FICO score will rarely pay premiums above 4%.

Go to our What Does a Surety Bond Cost? page for more information about calculating and reducing your premiums.

What about bad credit surety bonds?

It’s a bit more difficult to obtain your North Dakota surety bond if you have bad credit. Some underwriters are unwilling to assume the higher risk involved. However, with Lance Surety Bonds, 99% of applicants are guaranteed to get the bond they need, thanks to our bad credit surety bonds program.

Premiums for bad credit applicants are in the range of 5% to 15%, and collateral is rarely required.

How to get bonded in NC

We make sure that your application process is simple and straightforward thank to our online application. Here’s how it works: first you fill out the application, which should take just a few minutes. After that, we get in touch with you to let you know what you bond quote is.

After you pay your bond quote, we will make sure we process your application as fast as possible and have it signed by the surety in 1 or 2 business days.

Most Popular Surety Bonds in North Carolina

Mortgage Broker Bond

Mortgage brokers need to be licensed and bonded before they can operate in North Carolina. The bond ensures an extra layer of protection to home buyers interested in the services of a mortgage broker.

Motor Vehicle Dealer Bond

Both new- and used-car dealers need to get bonded prior to licensing. The surety bond protects the interests of car buyers.

Boxing & Mixed Martial Arts Promoter Bond

Sports promoters need this surety bond in order to get licensed in North Carolina. It ensures compliances with applicable state laws.

Insurance Broker Bond

Insurance brokers in North Carolina need to post a $15,000 surety bond, which makes sure they handle moneys and insurance policies in an ethical manner.

Collection Agency Bond

Ensures that collection agencies will promptly distribute funds collected on behalf of clients. This bond is a licensing pre-requisite.

Education Lottery Bond

Required from lottery retailers prior to obtaining a license. Ensure ethical conduct, specifically that they will properly remit money gathered from lottery ticket sales.

City-level Bonding Requirements

As Featured In