crazy fast! says Becky Hecker of Dawson Insurance

Instant Contract Surety Bonds

Credit-Only Approvals with Rapid Access Program

Merchants Bonding Company's Rapid Access Program (RAP) offers instant account approvals for qualifying contractors and developers. With automated decisions delivered in seconds based on credit and a seamless user experience on Merchants' award-winning online bonding website, the Merchants Bonding Company HubTM, RAP simplifies the process from start to finish. No lengthy applications or complex steps - RAP provides fast, efficient service and instant surety bond solutions that keeps your business moving forward.
Working with Merchants' RAP program is extremely easy, for both the agent and client. Most small contractor accounts need a quick turn around time, and that is exactly what RAP offers.
Why Choose RAP?
  • Top Rated by Partners - 98% of users say RAP is the easiest credit-only program on the market. With testimonials like "Crazy Fast!" and "My favorite feature is that I can submit the application and within minutes, I have the approval in my email," it's clear why RAP is a preferred choice for instant surety bonds.
  • Effortless E-Application - Merchants agent partners can send the RAP application via our award winning online bonding website, the Hub, directly to the client to collect the required information.
  • Fast Account Approvals - RAP's credit-only instant approval process for qualifying accounts means efficient service that keeps you moving forward. Once an account is approved, GIAs can be sent directly to indemnitors for electronic signature.
  • Accelerated Workflows for Rush Requests - Our RAP for contractors program offers a line of authority that makes processing 'rush' bid bond requests simple and efficient. "Having a line of authority is immensely helpful to our workflow," said one user, adding that it ensures timely processing even for urgent projects.
Contract Surety Bonds Construction Image

Rapid Access Program - Contractors

  • $1,000,000 Single Bond
  • $1,000,000 Total Open Bond Penalty
  • Credit Only Underwriting
  • Agency Line of Credit
  • General Contractors & Subcontractors
  • Bid, Performance and Payment Bonds
  • Exclusions Apply

Rapid Access Program - Developers

  • $750,000 Single Bond
  • $750,000 Total Open Bond Penalty
  • Credit Only Underwriting
  • Commercial & Residential Developers
  • Subdivision, Completion, Public Improvement, Performance, Payment and Maintenance Bonds
  • Exclusions Apply 

Sign in to the Hub to view additional program details and account exclusions for RAP.

What if your account doesn't meet program guidelines or outgrows RAP? Your primary Merchants underwriter will work with you to collect additional information and service your account through our standard underwriting program, delivering on our brand promise of common sense underwriting and first class experiences.

How Do I get a Surety Bond?

Surety bonds are issued by Merchants Bonding Company (Mutual) and affiliated companies through independent insurance agents. Contact your local insurance agent or use our Find an Agent tool. They will guide you through the process, informing you of what documents and information are needed by the surety (Merchants Bonding Company (Mutual)) to underwrite your bond.