Missouri consumer credit bonds, in lieu of audit.
$1,000 flat.
Missouri consumer-credit licensees who don’t submit audited financial statements with their license renewal can file a $100,000 surety bond with the Division of Finance instead — usually far cheaper than a CPA audit. Ours is $1,000 flat, the price you see is the checkout price. Any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
How much does a Missouri consumer credit bond cost?
$1,000 at the $100,000 amount, the same for every applicant.
Three steps. One sitting.
Compare this to commissioning a CPA audit. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $1,000 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the Division of Finance
Your executed bond arrives by email, ready to file with your consumer-credit license renewal at the Missouri Division of Finance. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Missouri licenses consumer-credit lenders — consumer installment lenders, small-loan companies, and similar licensees — through the Division of Finance. At renewal, the Division looks for audited company financial statements; a licensee that doesn’t submit them can maintain a $100,000 surety bond in lieu of the audit, which is why the form is titled “in lieu of audit.”
It's a three-party arrangement: you (the principal), the surety carrier, and the Commissioner of Finance (the obligee). The bond is conditioned on faithfully applying the funds you receive and performing your obligations under Missouri’s consumer-credit statutes — sections 367.100–367.215 and 408.100–408.600 RSMo — and it gives the state a source of recovery if you don’t.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay on file for each license year you skip the audit; 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 $100,000 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; a longer term is the same price per year, chosen at checkout.
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
File with the Division of Finance. Your executed bond arrives by email, ready to file with your consumer-credit license renewal at the Missouri Division of Finance. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $1,000 at the $100,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Missouri bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Skip the audit. File the bond.
$1,000 flat, issued the moment you pay, soft pull only. Free until issued.