As a mid-sized company, you want to grow without putting your financial flexibility under pressure. Surety bonds can help you with this: they provide security to your partners while allowing you to keep your working capital available.
Surety bonds: powering mid-sized companies with fast and flexible guarantees
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Key insights
- Free up cash flow for growth - Surety bonds sit off-balance-sheet and don’t use up liquidity. For mid-sized companies, they offer more financial flexibility, and the capacity to invest in growth opportunities.
- Scalable risk management - Surety solutions are typically quick to issue and simple to adjust. They can be scaled in line with your company’s growth, whether you’re securing larger projects or expanding into new overseas markets.
- Build trust and credibility - Our global reputation for credibility and financial stability is our strength. With guarantees from Allianz Trade in place, you’ll reassure trading partners, suppliers, and regulators that contractual obligations will be met, while reinforcing your position as an exciting yet reliable global player.
Why guarantees make sense for mid-sized businesses
Mid-sized companies are the driving force of the global economy. They are ambitious, growth-oriented, and increasingly looking beyond borders for new opportunities. Whether it’s about scaling up, competing for larger contracts, or expanding internationally — many of these companies face the same challenge: how can you manage risks and build trust with your business partners without limiting your financial strength?
Traditionally, banks have offered solutions such as bank guarantees. While these can be effective, mid-sized companies can gain additional advantages by considering guarantees that offer greater flexibility and efficiency. These guarantees — often referred to as surety bonds — are issued by an insurer rather than a bank. They enable you to cover risks while keeping your liquidity and bank credit lines available.
The benefits of guarantees
For mid-sized companies, insurance guarantees can be a real game changer. They don’t put pressure on your working capital or bank credit lines, giving you more room to invest in growth. What’s more, they can often be arranged faster and issued more easily than bank guarantees — especially when you work with a partner who understands the specific needs and dynamics of mid-sized enterprises.
Insurance guarantees are also highly versatile. They can be used across a wide range of business activities — from supporting large-scale infrastructure projects to securing international trade contracts or guaranteeing the fulfillment of delivery agreements. In each of these cases, the benefit is the same: your partners gain the assurance they need, while you maintain your cash flow and retain the financial flexibility to keep investing in growth and innovation.
Practical advantages at a glance
- Preserve liquidity – Your working capital remains available for investment and expansion.
- Fast and simple – Our guarantees can often be arranged more quickly than a bank guarantee.
- Grow with your business – As your company expands, the guarantees can scale with you and support your growth.
- Build trust – Your partners know they can rely on you, backed by the financial strength of our insurance partner.
- Control costs – Guarantees provide certainty at predictable and manageable costs.
A real-world example
A European industrial company wanted to expand internationally and needed strong guarantees to secure new contracts. With insurance guarantees, the company was able to build trust with foreign partners without tying up its cash flow. This allowed it to grow while strengthening its reputation as a reliable business partner.
Your next step
For mid-sized companies, growth is all about finding the right balance between ambition and risk management. Guarantees help you seize new opportunities without compromising your financial flexibility. With our experts at your side, you gain not only a guarantee, but also a strategic partner who supports your growth — both nationally and internationally. Discover how our guarantees can help protect your working capital and accelerate your growth.