Surety, explained by people who place it.

Guides on wording, capacity and adoption, plus what we learned on real cases.

Case study

The £2.6m s.38 bond that stood between 74 plots and their completions.

A Yorkshire housebuilder came to us eleven days before their first legal completions with an unbonded s.38 and a bank unwilling to tie up the facility. Here's how the bond was executed with four days to spare.

Read the case study

On-demand or conditional? Reading a performance bond before you signGuide · WordingThe two words in a bond form that decide how much protection you've actually given away.S38 and S104 bonds: what the authority actually wantsGuide · AdoptionHow adoption bonds are sized, when they're released, and why estimates matter.When to move from single bonds to an annual facilityGuide · CapacityThe turnover and order-book signals that mean a facility will save you money.A first performance bond for a £6m turnover contractorCase studyTwo declines, one restructured submission, terms inside a week.Retention bonds: turning 3% into working capitalGuide · RetentionWhat employers accept, what it costs, and how to raise it without friction.UK surety capacity in 2026Market viewWhere appetite is tightening, where new capacity has entered, and what it means for rates.

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