Missouri commercial financing broker bonds.
From $100.
Missouri's Commercial Financing Disclosure Law (§ 427.300, RSMo) bars anyone from brokering commercial financing for compensation until they register with the Division of Finance and have a bond on file. The statute sets the bond at $10,000, in favor of the State of Missouri. Premiums cost 0.5% of the bond amount, $100 minimum.
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How much does a Missouri commercial financing broker bond cost?
0.5% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
There is no underwriting queue on the standard broker bond — enter your amount, pay, and file it with the registration form. Here is the whole thing:
Apply online
Your entity type, business and contact details, the county you operate from, the bond amount, and an effective date. That is the application. No credit check up to $100,000.
Pay & e-sign
The rate is verified at checkout, so the bond issues the moment you pay — your executed bond and power of attorney generate on the spot and land in your inbox.
Register with the Division of Finance
File the executed bond with your broker registration form and the registration fee at the Division of Finance, inside the Missouri Department of Commerce and Insurance. Wet-ink original mailed on request.
What it is and who needs it.
What the broker bond actually guarantees
Missouri's Commercial Financing Disclosure Law (S.B. 1359, 2024, amended in 2025) did two separate things. It made providers — anyone who consummates more than five commercial financing transactions to a Missouri business in a calendar year — hand a business a fixed set of cost disclosures at or before consummation: Total Amount of Funds Provided, Total Amount of Funds Disbursed, Total of Payments, Total Dollar Cost of Financing, Payments, and Prepayment. And it made brokers register and post a bond.
A broker, in the statute's own words, is a person who for compensation obtains a commercial financing transaction — or a binding offer for one — from a third party and communicates that offer to a business located in Missouri. A provider is not a broker, and neither is anyone whose pay does not depend on the terms of the specific deal. Employees regularly employed by a registered broker file no registration and no separate bond of their own while acting inside the scope of that employment. The covered products are commercial loans, accounts receivable purchase transactions, and commercial open-end credit plans, so long as the proceeds carry on a business rather than a household.
The bond is a three-party instrument: you (the principal), the surety carrier, and the State of Missouri (the obligee), with damaged businesses as the protected parties. Anyone harmed by your breach of contract, by an obligation arising from that contract, or by any violation of § 427.300 may bring an action on the bond and recover actual damages — the surety's aggregate liability never exceeds the bond amount. It is not insurance for you: if the surety pays a claim, you repay the surety. Registration renews on January 31 each year, so the bond has to stay continuously on file; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
Pay & e-sign. The rate is verified at checkout, so the bond issues the moment you pay — your executed bond and power of attorney generate on the spot and land in your inbox.
What sets the price
The premium is 0.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $100,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued at checkout.
These are the actual issuing fields — entity type, business details, county, bond amount, and an effective date. No credit check up to $100,000.
Start the application →Common questions.
Other Missouri bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Register as a Missouri broker today.
Enter your bond amount, see the exact price, and file with the Division of Finance the same day. Free until issued.