"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."
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Why tenants are switching to Commercial Lease Bonds
The average eGuarantee customer unlocks $375,000 in working capital by replacing their bank guarantee. That’s money no longer sitting idle as lease security — but available to fund fit-outs, hire staff, expand inventory or invest in growth.
Traditional bank guarantees often require 100% cash backing or security over property. For many businesses, that means hundreds of thousands of dollars tied up for years, earning nothing and restricting flexibility. It can also impact borrowing capacity and day-to-day liquidity.
Commercial Lease Bonds change that equation. Instead of locking away capital, you pay an annual fee and keep your cash working in your business. Your lease remains secure, your landlord receives the same level of protection and your balance sheet stays agile.
Release yourself from
bank guarantees.
With our bank guarantee alternative, we guarantee you’ll be better off.
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 are the commercial security specialists.
It’s all we do. Our only focus.
Why pick a Commercial Lease Bond over a bank guarantee?
Commercial Lease Bond
Bank guarantee
What is it?
Financial guarantee from an insurer
Financial guarantee from a bank
Collateral required
No, cash required
Yes – 100% cash or asset backed
Typical cost
Annual fee (from 3 – 5.5% p.a.)
Bank fees (2.3 – 3.5% p.a. could vary with RBA cash rate) plus locked capital
Processing time
1 – 3 business days
Typically 3 – 4+ weeks
Format
100% digital, encrypted
Often paper-based and bank dependent
Adjusts with rent reviews?
Yes – automatically works with your lease agreement
Manual – requires new bank guarantee
Available mid-lease?
Yes
Complex to rearrange
How a Commercial Lease Bond can help your business
A Commercial Lease Bond gives you lease security without restricting your capital. There’s no cash collateral required and no impact on your working capital — just a straightforward annual fee for the bond.
The entire process is 100% digital, managed through our encrypted platform with no bank branch visits or paper documentation. Applications are typically assessed within 1–3 business days, helping you move quickly when lease timelines are tight.
Bonds are available from $20,000 up to $20 million, supporting everything from small retail leases to large commercial portfolios. Our bonds can also automatically adjust in line with annual rent reviews, keeping your lease security aligned with your agreement.
It’s lease protection designed for modern businesses.
How much does a Commercial Lease Bond cost?
For bonds under $200,000, the annual fee is typically 5.5% p.a. of the security value. For bonds above $200,000, pricing reduces and is determined following a financial assessment. A once-off establishment fee also applies, and in some cases legal fees may be required depending on the structure of your entity.
There is no cost to apply. You’ll receive a full breakdown of fees and payment terms before committing, so you can assess the cost against the capital you unlock.
How to apply
Applying for an eGuarantee Commercial Lease Bond is designed to be simple and fast. Follow these steps to get your application started:
Apply online in minutes:
Create an account here and submit your application through our encrypted platform.
Complete a financial assessment:
We review your information and run a credit assessment. Initial outcomes are typically provided within 1–3 business days.
Get your bond issued digitally
Once approved, your Commercial Lease Bond is issued online directly to your landlord.
What documents do you need for a Commercial Lease Bond?
To complete your application, you’ll need to provide basic financial and lease information so we can assess your eligibility. Having these documents ready will help speed up the application process.
Typically, you’ll need:
- Finalised and signed financial statements for the last two financial years (Profit & Loss and Balance Sheet)
- Year-to-date management accounts (P&L and Balance Sheet)
- A summary of banking and non-banking facilities (e.g. overdrafts, loans, credit cards, chattel mortgages)
- Your business ABN or ACN
- Group and shareholding structure details
- A copy of the Heads of Agreement or Lease Agreement (draft or signed)
In some cases, additional documents such as trust deeds or asset and liability statements may be requested. Our team will guide you if anything further is required.
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"
"It's such a seamless process, and frees up so much capital. We have no hesitation around expanding to new premises and having to tie up multiple bank guarantees across multiple sites... I really think this is the way moving forward for commercial guarantees."
Get security without the handcuffs.
Need to find out more?
Commercial Lease Bond FAQs
A Lease Bond is the modern alternative to a traditional bank guarantee — where we’ve designed a solution specifically to secure commercial leases.
The financial instrument that underpins the solution is the same financial guarantee, but instead of it being distributed from the banking market – it uses an insurance market – which allows it to not require cash-backing.
Instead of locking away business 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 the landlord with the same level of protection – unconditional, irrevocable and on-demand payments.
Our Lease Bond solution is 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 our Lease Bond solution from $20,000 and up, making lease security easier, fairer, and smarter for Australian and New Zealand businesses.
Securing your Commercial Lease Bond is simple. Our process is fully digital, fast and designed to work alongside your lease timeline. Here’s how it works:
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. Above $200k bonds, 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. eGuarantee is not a bank guarantee.
Lease Bonds provide the same sort of financial guarantee, the legal protection for your landlord is equivalent – but the processed is aligned with our modern day-to-day way of working.
It is a cashless alternative that provides the same unconditional and on-demand lease security, but through the insurance market rather than the banking market.
- 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 110 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. If your landlord is not yet familiar with eGuarantee, our team can work directly with them to facilitate approval and issuance. We are always onboarding new landlords to our solution as their tenants apply for Lease Bonds.
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. So we’d suggest speaking to your landlord first to let them know that you would like to do a swap out.
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, Credeq, 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.
No, a Commercial Lease Bond is not a loan. It is a financial guarantee that secures your lease, similar in function to a bank guarantee, but backed by an insurer rather than funded by borrowed money.
You pay an annual fee for the bond to be issued, and no cash is advanced to you. If a valid claim is made, the insurer pays the landlord and you reimburse the amount in accordance with the bond terms.
eGuarantee Commercial Lease Bonds are available across all Australian states and territories, as well as New Zealand. We work with landlords nationwide, including major institutional property owners. Our digital platform allows you to apply and manage the process from anywhere.
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