NC contractor license bonds.
Flat 3%. Soft pull.
North Carolina licenses general contractors through the NC Licensing Board for General Contractors under G.S. Chapter 87. If your financials don't show the required working capital, the Board lets you file a surety bond instead — we write it at a flat 3% with one soft credit pull.
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Three steps to filed.
Your license is waiting on this bond. Here's the whole process — no broker phone tag:
Apply online
Business details, owner information, the bond amount for your license class, and an effective date. The only extra step is a one-time consent to a soft credit pull.
Reviewed & approved
Larger contractor bonds are underwritten — if anything else is needed, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.
E-sign & file with the Board
Pay online and receive the executed bond ready to file with your NCLBGC license application or renewal. Wet-ink originals mailed whenever the Board insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Enter the figure for your license class and the premium updates.
What it is and who needs it.
What the contractor bond actually does
North Carolina licenses general contractors who work on projects of $40,000 or more through the NC Licensing Board for General Contractors under G.S. Chapter 87, Article 1. To be licensed, an applicant must show the working capital their license classification requires.
When the financials don't reach the working-capital threshold, the Board lets an applicant file a surety bond in lieu of working capital — generally $500,000 for an intermediate license and $1,000,000 for an unlimited license. The bond is an alternative to demonstrating capital, not an add-on every contractor needs.
Because this is a larger surety obligation tied to your financial standing, it is underwritten with a soft credit pull. The pull never affects your score and never changes the price — credit can affect whether we approve the bond, never what it costs. The rate stays a flat 3%.
You need this bond if you are
Five minutes. The whole thing.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and an underwriter follows up within 48 hours if anything else is needed.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
Does every NC contractor need this bond? +
How much is the bond? +
Is there a credit check? +
What does the bond guarantee? +
When does it renew? +
Other New York bonds.
The Licensing Board is waiting on one document.
Five-minute application, flat 3%, soft pull only. Enter your bond amount and file with NCLBGC.