Bond compliance that runs alongside your furnishing operations.
Surety Bond is Kikoff's productized bond submission layer for licensed furnishers. As your tradeline portfolio grows, bond requirements are calculated, submitted, and maintained in real time — keeping your furnishing license in good standing without a dedicated bond ops workflow.
Real-time bond submission
Bond filings are triggered automatically as portfolio volume changes — no manual calculations, no missed submission windows.
Licensed furnisher compliance
Bond requirements vary by state and portfolio size. Kikoff tracks regulatory thresholds and ensures submissions meet current licensing requirements.
API-integrated with furnishing
Bond submission runs as part of your furnishing workflow — connected via API so bond status and furnishing operations stay in sync.
Ongoing maintenance and monitoring
Bond compliance isn't a one-time setup. Continuous monitoring catches threshold changes and triggers updates before they become compliance gaps.
Bond compliance without the administrative overhead.
Stay licensed without a bond ops team
Surety bond requirements are a prerequisite for furnishing — and a common compliance gap for growing lenders. Productized bond submission removes that risk from your operational checklist.
One less vendor, one less workflow
Bond submission integrated with furnishing means no separate bond administrator, no manual reconciliation, and no gap between portfolio growth and compliance filings.
Bond requirements that grow with your portfolio
As tradeline volume increases, bond thresholds change. Automated submission ensures compliance scales with your business — not against it.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Submit a surety bond filing curl https://sandbox.enterprise.kikoff.com/v1/surety-bond/submit \
-H "Authorization: Bearer $API_KEY" \
-d '{
"furnisher_id": "fur_acme01",
"portfolio_volume": 45000,
"state": "CA"
}' # Response: 201 Created {
"bond_id": "bond_ca882",
"status": "filed",
"coverage_amount": 50000
}
Keep your furnishing license compliant as you scale.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.