We are committed to helping MSMEs win more work without locking up scarce capital.

 

Traditional guarantees often demand cash margins or fixed deposits; our surety solutions give you the same beneficiary confidence with far lighter collateral requirements.

Beyond a product, you get a partner. Specialists who understand working capital and cash-flows. Along with tender timelines, contract structures and the realities of MSME business continuity. We work alongside your finance and bid teams to help you discover Surety Bonds, understand the economics and the legalities, size the bond correctly, align wording with the beneficiary and minimise downstream friction. Even help you in case the beneficiary doesn't accept these guarantees, we can help you engage with them meaningfully. 

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What this means for MSMEs

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• Better growth. More bids entered, more awards accepted, fewer hard choices about cash.

• Predictable costs. No surprise working-capital drains mid-project.

• Partnership. A responsive team that prioritises speed, clarity and compliance.

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What We Enable​​

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• Lower total cost of guarantees: By reducing (or eliminating) margin money and FDs, surety keeps your cash in the business where it drives growth—inventory, payroll, vendor terms, and delivery.

• Faster go/no-go on tenders: Simple documentation, standardised wording and digital journeys help you move from intent to issuance quickly, so you never miss a submission window.

• Wider opportunity set: With capacity and wording familiar to beneficiaries, MSMEs can participate in larger projects and private contracts that were previously out of reach.

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Why It’s Smarter Than BGs

 

Bank guarantees do the job—but they often do it at the expense of liquidity. Margin money, lien-marked FDs, and line utilization add up to a hidden “capital tax.” Surety is designed to deliver equivalent protection to the beneficiary while easing collateral drag for the principal.
Because underwriting is risk-based, well-run MSMEs with clean compliance and performance records are rewarded—not penalized with one-size-fits-all collateral.

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Advantages at a glance

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• Capital efficiency: Keep cash free instead of parking it under lien.

• Portfolio flexibility: Use banking limits for core operations, not guarantees.

• Transparency: Clear terms, clearly priced, with no surprise lock-ups later.

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​Robust Protection, Faster Resolutions​

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Beneficiaries expect certainty. Surety bonds mirror standard guarantee wording and are issued by regulated insurers, giving counterparties confidence that their risk is covered. In the event of invocation, claims handling follows defined processes and documentation trails—reducing ambiguity, accelerating decisions, and protecting commercial relationships.

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Comfort for beneficiaries

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• Familiar formats and clauses mapped to standard practice.

• Clear invocation requirements and timelines.

• A regulated insurer on the risk, not just a promise on paper.

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Simple, Digital and Guided

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We make the experience straightforward for lean MSME teams. From KYC and financials to beneficiary wording and stamping, our workflows are built to remove the back-and-forth that slows deals.

Where needed, we coordinate directly with beneficiaries for wording acceptance, and we keep status visible so your bid and commercial teams always know what’s next.

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How we keep it easy

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• Minimal, standardized documentation.

• Guided templates for common bond types (bid, performance, advance, retention).

• End-to-end support—application, issuance, amendments, renewals.

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Built for India’s MSME Growth Story

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Surety is an IRDAI-regulated product now gaining rapid adoption across infrastructure, manufacturing, and services. As supply chains formalize and projects professionalize, MSMEs need financial tools that reward performance, not just balance-sheet size.
Our commitment is to keep expanding partner capacity, accepted wordings, and sector coverage—so your next contract is simpler to secure than the last.

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Our focus areas

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• Expanding insurer partnerships to increase capacity for MSMEs.

• Building sector-specific playbooks (EPC, EPCM, utilities, manufacturing, logistics).

• Continuous education for beneficiaries to speed up acceptance.​​​​​​​​​​​

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Ready to unlock growth without collateral?

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