# eGuarantee > Digital commercial lease bonds \-\- a cashless alternative to bank guarantees for business tenants and landlords\. ## At a glance | Field | Value | | --- | --- | | Category | Specialty Solutions | | Type | Solutions Provider | | Region | APAC | | Headquarters | Sydney, NSW, Australia | | Founded | 2019 | | Stage | Growth | | Employees | 11-50 | | Funding | Seed | ## Overview eGuarantee is a specialty surety technology platform for commercial property lessees and landlords in Australia and New Zealand. The company distributes non-collateral commercial lease bonds as a digital substitute for traditional bank guarantees, enabling business tenants to retain working capital instead of lodging cash security. Bonds are underwritten via Credeq Australia as managing general agent on behalf of HDI Global Specialty SE (S&P AA- rated). The platform operates end-to-end online, issuing bonds ranging from AUD 20,000 to AUD 20 million. Approvals are processed within one to three business days, contrasting with six or more weeks typical of bank guarantees. Landlords access a self-service portal for real-time bond status, automated rent-review adjustments, claims lodgment, and auto-expiry alerts at no cost; fees are paid by tenants on an annual basis (5.5% p.a. for bonds under AUD 200,000, with reduced rates above that threshold). Founded in 2019 by Shaun Sergay and Cedric Fuchs, eGuarantee launched commercially in 2021 and has grown total bonds written by 338% in the 12 months to early 2026, surpassing AUD 100 million in cumulative bond value. In February 2026, the company raised AUD 5.5 million in growth capital from existing investor Correlation, which increased its holding to over 60%. The platform is accepted by 110+ commercial landlords across Australia and New Zealand. ## Products & services ### Commercial Lease Bond Platform A fully digital platform for issuing non-collateral commercial lease bonds that replace bank guarantees for commercial property leases. Business tenants apply online, receive a decision within one to three business days, and pay an annual fee rather than locking up cash collateral. Bonds are automatically adjusted at rent review periods. **Key features:** - Bond range: AUD 20,000 to AUD 20 million - 100% digital application and issuance with no paper documentation - 24/7 platform access with encrypted data handling - Automatic bond value adjustment at annual rent reviews - Backed by HDI Global Specialty SE \(S&P AA\-\) - Average tenant unlocks AUD 375,000 in working capital *Target users:* Business tenants in commercial property leases ### Landlord Portal A no-fee digital portal that gives commercial landlords visibility into lease bond status and claims management for bonds placed by their tenants. **Key features:** - Real\-time bond status updates - Automated rent review adjustments - Online claims lodgment - Auto\-expiry alerts *Target users:* Commercial property landlords and property managers ### Intermediary / Agency Program A distribution channel for commercial real estate agents and finance brokers to offer eGuarantee lease bonds to their clients. **Key features:** - Enables agents to add lease bond services to client offerings - Faster deal execution relative to bank guarantee timelines - No platform fees for intermediary partners *Target users:* Commercial real estate agents, tenant representatives, brokers ## Category & focus - Subcategories: Surety / Bond Technology, Commercial Real Estate Fintech - Insurance verticals: Specialty/E&S - Target customers: Brokers, Agents/Agencies, Consumers ## Notable customers - Dexus - Vicinity Centres - Centuria - Brookfield - Frasers Property - EG Funds - Aliro Group - April Group - Investa - AEW - Morrow Sodali \(business tenant, Sydney CBD\) ## Links - Website: - Directory profile: - Blog: - Linkedin: --- *Last updated: 2026\-06\-13*