Commercial Lease Bond Partner Program

We work with a wide range of Partners and offer a service model to suit your business. You can simply spot and refer clients, or take a more active role by submitting applications on their behalf and leading the transaction. Our market-leading commission structure rewards you for every successful referral. To learn more or to become an accredited Partner register here.

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.

eGuarantee’s Lease Bond solution delivers the same rock-solid security as a bank guarantee, but with a modern twist & catered for the commercial property market.

Legally – the wording of the contract is the same. But process wise – we are miles apart.

Powered by digital processes, encryption, and cutting-edge technology, we eliminate the risks of old-school paper documents—no human errors, no fraud, no misplaced paperwork.

We are backed by an S&P AA- rated entity, HDI Global Specialty SE which is on par with any big 4 bank in Australia.

Our Lease Bonds are as reliable as they come, paying 100% of claims unconditionally and irrevocable,  all while giving you 24/7 online management – on-demand.

Plus, we go one step further: our Lease Bonds can automatically adjust with annual rent reviews. Bank guarantees can’t do that, making our solution the smarter, more secure choice for your commercial lease needs.

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.

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 roughly $1500 to $5500 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.

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

• Have been trading for 12+ months (or have another entity that has been trading for 12 months)
• Provide company financials
• No ATO arrangements or payment plans in place
• Have a requirement for a commercial lease security value of $20K and above
• Have a commercial lease in either Australia or New Zealand

Other credit criteria may apply.

We work with the best. Our Lease Bond solution is issued and underwritten by Credeq Australia (ABN 39 625 083 810), which is an Australian Financial Services Licensee (AFSL 568636) and operates as a Managing General Agent on behalf of international AA- S&P rated insurer HDI Global Specialty SE.

Credeq is a globally focused underwriting agency with deep expertise in credit risk spanning 35 years. Credeq brings together a portfolio of specialised credit insurance products and businesses across Europe, the UK, Africa and Australia, but with local know-how, with a dedicated team in Sydney looking after our Lease Bond deals. They stand behind our Lease Bond’s financial promises, so we can unlock the credit our tenants need. 

HDI Global Specialty SE have more than 120 years of experience as an industrial insurer and are part of the Talanx group. With an S&P AA- (stable) and A.M Best: A+ (Stable) rating, they are as rock-solid as they can be – globally. They have coverage in over 175 countries, and 10 billion EUROs in insurance revenue in 2024.

With the backing of these two groups – our Lease Bond solution is the same strength of your bank guarantee – with better coverage.