Last year I when went looking for a surety no one seemed interested in doing the business. Fortunately I had enough liquidity so I could write check for a cash bond. This year things have eased up and my broker found someone interested in underwriting the risk so I can get the cash back. But, underwriting is more stringent these days. They want to see cash on hand, broker statements, home equity value, business plan... and they're just taking a contingent risk, not handing out cash. The days of valuing risk at zero are over. The banks and insurance companies want lots of security and they only want to lend to businesses that dont need the money.