Associate in Fidelity and Surety Bonds
AFSB.LLC
Welcome to AFSB, LLC, your trusted source for Commercial Bonds, Surety Bonds, and every kind of Bond under the sun. We are committed to helping businesses and individuals find the right bonds to meet their specific needs FAST and Affordable.
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What are Bonds and Why are they Needed?
Bonds are a form of insurance that guarantee performance or payment in the event of default or non-performance by one party in a transaction. They are commonly used in construction projects, government contracts, and other industries to protect parties involved in a transaction. If you need a bond for your business or personal needs, contact AFSB, LLC today. We'll work with you to find the right bond at the right price FAST!
AFSB, LLC offers a wide range of bonds, including, but not limited to:

Commercial Bonds
Commercial bonds are a type of bond that protect businesses by ensuring that they fulfill their contractual obligations to their customers or clients. These bonds can include license and permit bonds, court bonds, and fiduciary bonds.
Surety Bonds
Surety bonds are a type of bond that guarantee that one party will fulfill its contractual obligations to another party. They are often used in construction projects, where they provide assurance that contractors will complete their work according to the agreed-upon terms.
Contract Bonds
Contract bonds are a type of bond that are typically used in construction projects to guarantee that contractors will fulfill their obligations to their clients. These bonds can include bid bonds, performance bonds, and payment bonds.
View All Bonds
There are many different types of bonds available, each designed to meet specific needs. Click on the button below to learn about all types of bonds that AFSB offers!
Where Do I Get a Permit Bond Fast?
Look no further! Here at Associate Fidelity & Surety Bonds, LLC. we understand that when it comes to permits, time is money and you need a bond as quick as possible. Finding the right permit bond use to be a complex and time consuming process. Not anymore! Our Online Bond Fast APP can get your application processed in just minutes! Apply Now!
What If I Need a Complex or Tailored Bond?
Our experienced professionals at AFSB, LLC are knowledgeable about the different types of bonds and the requirements for obtaining them. We work with a network of trusted underwriters to provide our clients with competitive rates and the fastest turnaround times, many of which only take a few minutes and can be printed out at your home or business. No waiting, No Down Time, No Appointment Needed!

Excellence in Bond Customer Service
In addition to our bond services, we offer exceptional customer service and are AFSB certified and have helped consult many businesses in their application process. Our team is always available to answer any questions and provide guidance throughout the process.
If you need a bond for your business or personal needs, contact AFSB, LLC today. We'll work with you to find the right bond at the right price FAST!
FAQ
Here are the questions we seem to answer the most often. If you have more specific questions, give Brent a call at (580) 595-0116.
In a general sense, a fidelity bond guarantees the person, while a surety bond guarantees the performance. So, in other words, a fidelity bond is specific to the individual to which it is issued.
A surety bond, on the other hand, is specific to the job being contracted. This type of bond can also be broken up into a wide variety of types, from payment bonds to performance bonds, etc.
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The short answer is that it's a guarantee. It is a promise to be liable for the debt, for default, or, for the failure of another sort. It basically is a Third Party's (the surety) guarantees either the obligations or performance of a second party (the principal) to yet a third party (the obligee).
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Examples would include a proposal, or bid bonds, payment bonds, performance bonds, labor and material bonds, maintenance bonds, and supply bonds.
State and federal law requires these types of bonds for most public construction projects that private developers do.
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Will the credit pull for the bond affect my credit? The credit pull for the bonds isn't as in-depth nor invasive as say a car loan or a mortgage loan credit review.
Usually, a credit review for surety bonds only requires a 'soft pull', which means that there is minimal impact on your credit score and will only be for a short period of time. Usually.
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Well, the surety bond will guarantee that a contractual obligation will be fulfilled, as promised.
In the construction industry, for example, the surety bond typically will guarantee that the contracted construction project will be completed according to the terms and conditions put forth in the contract.
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New business owners might be expected to have to pay more for their bonds depending on the extent of their financial history.
A new business owner that has a good credit score and has an, otherwise, sound financial history can usually get a competitive rate.
A higher fee might be expected because some new business owners haven’t had the chance to establish a strong line of credit yet.
They may reasonably be charged a higher fee since the surety provider can’t confirm their financial accountability.
No. Bonds and insurance are two completely separate means of financial protection.
Insurance is basically a risk-transfer tool between two parties where individuals that are exposed to similar types of risks will contribute premiums into an insurance pool.
Surety bonds act as three-party risk-mitigation contracts where there is not expected to be a financial loss.
Surety bond premiums typically only cover the costs of the qualifying services and the costs of the underwriting processes. Unlike insurance policies–which act as a retroactive protection–bonds work like a type of credit where the principal is liable for claim payments in the event of a default. Thus bonds encourage professionals to act in an appropriate manner in order to avoid claims that could arise.
Brent Easton, CPA
AFSB LLC
Associate Fidelity and Surety Bonds, LLC.