Tenants Social Campaign

A fairer and faster alternative to the outdated bank guarantee

Unlock your cash to reinvest back into your business

Neil Perry prefers eGuarantee for commercial lease security

Do you find the bank guarantee process frustrating?

The time and hassle to arrange, the requirement to give up 6-12 months’ rent as cash?

If it feels like an outdated solution, it is.

Alternate solution that boosts cash flow by up to 200%

eGuarantee offers an alternative solution, one that:

Offers the same level of security as a bank guarantee (A+ rated)

Does not require you to tie up cash in a bank account – reinvest it back into your business

Is 100% digital, which saves you time, hassle and is completely secure

Can get you pre-approved in as little as 48 hours

Is already accepted by over 50 leading Australian landlords

Supports you every step of the way with our Australian-based Customer Success Managers

The eGuarantee lease bond solution is for commercial leases, with a minimum lease bond value of $20,000 up to several million dollars.

Ready to apply or want to chat to one of our friendly team? Just click below.

A few more happy customers who are glad they made the switch to eGuarantee

The dominant form of lease security in North America and the UK, now available in Australia and New Zealand

eGuarantee offers a lease bond solution, which is the most common form of lease security in North America and the UK.

Why? Because it is faster, easier, cheaper and as secure as a bank guarantee.

Accepted by over 50 leading Australian & NZ landlords

Pre-qualification in minutes

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The first step in the process is to click ‘Pre-Qualify Check’ and answer the 3 simple questions. This takes less than a minute!

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Then if you pre-qualify, you’ll be asked to provide some basic business financials and your application will be processed – with credit pre-approval typically coming in just 48 hours.

Please note that this solution is for commercial leases only, with a minimum value of $20k.

Got questions? Sure – that’s understandable – just give one of our super-friendly Customer Success Managers a call on 1300 561 804 and they will be happy to help.

FAQs

How much does a Lease Bond cost?

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.

What exactly is a Lease Bond?

Lease Bonds might sound unfamiliar, but they’re just a type of surety bond – a staple in the financial world. They’re hugely popular in the US, but down here in Australia and New Zealand, they’re still the new kid on the block.

At eGuarantee, we’re bringing Lease Bonds into the spotlight. Our bonds are tailor-made to guarantee commercial lease security. Backed by an S&P A+ rated global insurer, they ensure landlords get their security amount if a tenant breaches their lease obligations.

Here’s the game-changer: because Lease Bonds tap into insurance markets, tenants don’t need to lock up their cash. Instead, they pay a simple annual fee for the guarantee.

We’re currently offering Lease Bonds starting from $20,000 – keeping it smooth, secure, and seriously smart for businesses.

Can eGuarantee be used mid-term if already locked into a lease?

Absolutely—subject to your landlord’s approval.

Tenants can transition to eGuarantee at any point, even mid-lease, giving them the flexibility to free up cash collateral or banking lines whenever they need.

What are the eligibility criteria for tenants?

A financial assessment forms part of the application process. Generally, businesses need to:

Have been trading for 12+ months
Provide company financials
No ATO arrangements or payment plans

Other credit criteria may apply.

How do I apply?

Applications are quick and fully online through our tech platform. Simply create an account here to get started.

You’ll need the following documents:

Finalised and signed financial statements (profit and loss, balance sheets) for the last two financial years
A summary of banking and non-banking facilities
Your organisation structure
A copy of the heads of agreement or lease agreement

The form takes about 10 minutes to complete, and initial assessments are typically completed within 2 business days.

We recommend allowing at least two weeks from application to Lease Bond issuance. However, with fast information supply and landlord and tenant availability on the platform, we can issue the Lease Bond in as little as 5 business days

What documents do I need for the application?

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.

Ready to move on from the outdated bank guarantee?

Have more questions?

[email protected]
1300 561 804

Why eGuarantee

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eGuarantee acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of Country and Culture. We pay our respect to First Nations peoples and their Elders, past and present.

eGuarantee’s lease bond solution is issued by Assetinsure – Australia and New Zealand’s largest provider of surety bonds – as agent on behalf of international A+ S&P rated insurer HDI Global Specialty SE.

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