"If I was a business and I was considering eGuarantee I would absolutely jump in, they made it very simple and straightforward. It really frees up cash flow and allows you to focus on your business going forward.
Companies we've partnered with
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Save money
The average eGuarantee customer is unlocking $375K of cash back to their business.
Fully digital, fully in control.
It couldn’t be easier or quicker.
24/7 access, online anywhere, any time.
No bank hours, no queues.
Commercial Leases are our life
We’re the commercial security specialists.
It’s all we do.
Apply for a free review
Online application process with the support of our team for an obligation free chat.
Get approved in 48 hours
Provide basic financial and commercial lease documentation for credit to review with an outcome in 48 hours.
Secure your lease
We’ll work with your landlord to issue the Lease Bond and everyone can get on with business.
Hear what others have to say about eGuarantee
"As the director of an accounting firm, I can say to any business looking to maximise working capital, eGuarantee is a great solution for you.
"The experience dealing with eGuarantee was seamless right from the first contact. Our ability to use eGuarantee was the deciding factor for us committing to this site
Get security without the handcuffs.
Need to find out more?
A Lease Bond is the modern alternative to a traditional bank guarantee — designed specifically to secure commercial leases.
Instead of locking away your business’s cash in a traditional bank guarantee, a Lease Bond allows you to keep that capital working in your business. You simply pay an annual fee, and the bond provides your landlord with the same level of protection.
Backed by a global insurer with an S&P AA- rating (equal to Australia’s big four banks), Lease Bonds give landlords peace of mind while giving tenants greater flexibility, efficiency, and control over their cash flow.
At eGuarantee, we offer Lease Bonds from $20,000 and up, making lease security easier, fairer, and smarter for Australian and New Zealand businesses.
Applications are 100% digitally managed on our encrypted platform. Simply create an account here to get started.
Once approved, tenants pay an annual fee for a Lease Bond to be issued. For bonds below $200k in security value, the annual fee is 5.5% p.a (so for a $200,000 bond, the fee is $11,000 per annum). Above $200k, the rate drops, and is determined at the financial assessment.
A once off establishment fee of also applies and, in some cases, legal fees may be incurred, depending on the organisational structure and requirements.
You will receive the full payment schedule ahead of issuance, before you decide to commit. There is no cost to apply.
For the initial assessment, the following documents are required:
- Latest accountant-prepared annual financial statements – finalised and signed by management
- Year-to-date management accounts (P&L and Balance Sheet pulled from accounting platform)
- Schedule of banking and non-banking financing facilities (including any overdraft facility, trade advances, business credit card, chattel mortgage)
- Group and shareholding structure
- Draft or signed Head of Agreement / Lease Agreement, if available.
Sometimes, after the initial assessment, other documentation is required such as Trust deeds, Asset & Liability statements etc. Our team will give you a heads up if that’s required for application.
Simply put – we’ve removed the bank from bank guarantees with Lease Bonds.
Lease Bonds provide the same sort of financial guarantee – but aligned with our modern day-to-day way of working.
- Lease Bonds are 100% digital, therefore no paper-based documentation, no branch visits, no queues.
- It’s backed by an S&P AA- rated global insurance entity – and therefore no cash collateral required.
- Plus it’s specifically design for commercial lease security to work with the lease agreement – so it’s more secure, and customisable.
As there is no cash required – in order to be eligible for a Lease Bond – business owners will need to go through a financial assessment and be approved. Credit assessments typically take 1 – 3 business days.
Once approved – the Lease Bond is issued to the landlord, as a bank guarantee would, and the business tenant would pay an annual fee for the issuance.
Yes, eGuarantee is already used by many of the biggest names in the commercial property sector and is accepted by over 80 leading landlords in Australia and New Zealand. We work with the likes of Dexus, Frasers Property, Centuria, Vicinity, Brookfield and many more. Please refer to our landlord page to see some of the companies we work with.
Yes definitely! We can offer you a Lease Bond Solution for new leases, leases mid-term and also renewals. We will need to work with your landlord to process it.
We currently only offer Lease Bonds for commercial leases to commercial tenants in Australia and New Zealand. So you’ll need:
- To be a business with a lease in Australia and New Zealand.
- Your Lease Bond value needs to be $20,000 or above
- You’ll need to have your business’s most up-to-date financials
- A Lease agreement
If your landlord makes a claim on the Lease Bond, they’ll receive payment within 48 business hours from us.
You’ll be notified immediately, and our financial services partner, Assetinsure, will reach out to arrange repayment from you for the amount paid to your landlord (up to the value of the bond).
If you believe the claim was made in error, it’s essential to raise the issue directly with your landlord for clarification.