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North Carolina business opportunity bonds.
$1,000 flat.

North Carolina requires a business opportunity seller to post a $50,000 bond (or trust account) in favor of the State when registering with the Secretary of State. Ours is $1,000 — set by our carrier's rate book for this bond, identical for every seller. A soft credit check may apply — never a hard inquiry — and the bond is issued when you pay.

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Required to register as a business opportunity seller with the NC Secretary of State

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Clear pricing, instant issuance — $50,000 bond, $1,000, no quote theater

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A soft credit check may apply — never a hard inquiry, and it never changes the $1,000 price

A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available

Trusted by industry leaders

How it works

Three steps to registered.

Your Secretary of State registration is waiting on this bond. Here's the entire process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. Any credit check that runs is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with the Secretary of State

Pay online and receive the executed bond, ready to file with your business opportunity registration. Wet-ink originals mailed whenever the state insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

North Carolina regulates the sale of business opportunities under the Business Opportunity Sales Act (G.S. Chapter 66, Article 19). A seller who solicits or sells a covered business opportunity must register with the Secretary of State and provide security — a $50,000 bond or trust account in favor of the State.

The bond is a purchaser-protection guarantee: it stands behind your compliance with the Act and your contracts. If a seller commits fraud, misrepresents the opportunity, or breaches the purchase agreement, a harmed purchaser can recover against the bond.

It is not insurance for you — if the surety pays a claim, you repay the surety. Sellers who follow the Act and honor their contracts treat the bond as a registration formality, not a risk.

G.S. 66-94 et seq. (Business Opportunity Sales Act)North Carolina's Business Opportunity Sales Act (G.S. Chapter 66, Article 19) requires a business opportunity seller to register with the Secretary of State and to obtain a surety bond or establish a trust account of not less than $50,000 in favor of the State, conditioned on compliance with the Act. Confirm the current amount and the obligee on your application — the statutory floor is $50,000.

You need this bond if you're

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Selling a business opportunity in NC that falls under the Business Opportunity Sales Act

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Registering with the Secretary of State for the first time or renewing your registration

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Offering a "turnkey" package — products, equipment, or marketing plans for a fee

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A multi-state seller expanding into North Carolina and registering here

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit check. Submit once and your bond is issued when you pay.

Start the application →

FAQ

Common questions.

Do I pay the $50,000?No. You pay $1,000 — the price set by our carrier's rate book for this bond. The $50,000 is the surety's maximum liability to the State and harmed purchasers; it's not a deposit, and nobody holds your money.

Who requires this bond?The North Carolina Secretary of State requires it as a condition of registering as a business opportunity seller under the Business Opportunity Sales Act (G.S. Chapter 66, Article 19). The statute also allows a $50,000 trust account as an alternative to the bond.

What does the bond guarantee?That you comply with the Business Opportunity Sales Act and honor your purchase contracts. If you commit fraud or breach a contract and a purchaser is harmed, they can claim against the bond — and if the surety pays, you repay the surety.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. It informs approval, not price: the price stays $1,000 either way.

When does it renew?Terms run 1, 2, or 3 years — your choice at purchase. You'll get renewal notices 60 and 30 days before expiration, with autopay available, and the bond must stay active for your registration to stay valid.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other North Carolina bonds.

The Secretary of State is waiting on one document.

$1,000, short application, bond issued when you pay. Free until issued.

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Your price$1,000

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