40%
of US surety bond flow on TSBA
Submission & Intake
Inbound submissions converted to structured records on arrival. Already-issued bonds validated and booked at intake
BondImport.AI
Inbound submissions in any format - PDF, Word, Excel, JPEG - converted to structured records on arrival.
Multi-format ingestion- Automated data extraction
- Validation at the point of entry
- Missing fields flagged before the underwriter
Agentic document submission & triage
Submissions parsed and routed by appetite, geography and contractor profile, automatically.
- Appetite-based routing
- Contractor profile matching
- Geography-aware triage
- Submission completeness check
Agency portal & already-issued validation
A built-in producer portal, plus boundary checks for the majority case where bonds arrive at the carrier after agency execution.
- Producer self-serve submit, track, retrieve
- Rate, appetite and obligee-form checks at the boundary
- Power of Attorney aware
- One surface for both flows
Underwriting & Decision
The 3 Cs - Capital, Character, Capacity - the WIP schedule, the indemnity agreement and the public data signals, all prepared in one surface.
Single surface
Contract bonds, renewals and commercial bonds all underwritten in one workbench - no window-switching, no PDF stack.
- Unified file for all bond types
- WIP, indemnity and financials pre-prepared
- Prior bond record attached
- Decision-ready on open
Agentic financial calculation
Working capital, current ratio, debt service coverage, capacity versus backlog and gross profit fade analysis, run against the carrier’s underwriting framework.
- Carrier-specific calculation logic
- 3 Cs scoring
- Configurable risk assessment
- Next-best action surfaced per submission
Public data monitoring
Credit reports, court records, lien filings, SAM.gov and adverse media pulled simultaneously. The 3 Cs supported with current external data, not last-quarter snapshots.
- Credit agency integration
- Court and lien records
- Adverse media monitoring
- SAM.gov signals
INTAKE TO DECISION
1/5
Pricing & Rating
Native surety rating engine. Per-agency pricing. Rates surfaced at the agency execution moment in real time.
Configurable rating engine
Custom rating algorithms, factor structures and tiered pricing per bond product - configured by product managers, not engineers.
- Custom rating algorithms
- Factor and tier structures
- Per-program configuration
- No-code product changes
Per-agency pricing
Rates, terms and product access vary by distribution partner within the system, not maintained as separate spreadsheets.
- Distribution-partner-specific rates
- Commission economics aware
- Tiered product access
- Dynamic underwriting questions per agency
Real-time rating via Digital Highway
Carrier rate sheets surfaced directly in TSBA at the point of submission, removing the manual carrier-validation step.
- Live carrier rates in the agency moment
- No phone or email re-confirmation
- Removes downstream re-rate
- Applies the approved rate at the moment of bond commitment
Bond Execution & Issuance
Agency-committed, carrier-synchronized. The Power of Attorney is what makes surety operationally different - Tinubu operates both the agency moment and the carrier bond record.
TSBA bond execution & library
Producers move from form lookup to committed bond in a single workflow. 30,000+ bond forms maintained, with a 70% two-day turnaround on new forms.
- 30,000+ bond form library
- 70+ state DOTs reached via BidExpress
- Form revisions logged with audit history
- Digital signature at agent / attorney-in-fact level
TSC bond issuance
Every underwriting decision flows directly into issuance. Document generation, compliance checks and book-of-record creation run without manual intervention.
- Automated issuance
- Document generation
- Compliance checks at issuance
- Book-of-record creation
Digital Highway bond submission
Bonds executed in TSBA flow directly into TSC’s underwriting record, removing manual re-keying. 470+ carrier and intermediary configurations.
- No manual re-keying
- 470+ carrier and intermediary configurations
- Single limits and processing rules
- Security settings per appointment
Servicing & Lifecycle
A surety bond is in force for the life of the underlying contract. Riders, modifications, renewals and cancellations sync across both sides.
TSC bond issuance & servicing
Bond record from issuance through riders, modifications and renewals - across contract bonds (~70% of US surety) and commercial bonds (~30%).
- Contract and commercial bonds
- Riders and modifications
- Renewals and cancellations
- Single book of record
Digital Highway lifecycle sync
Riders, modifications, renewals and cancellations sync between TSBA and TSC without manual reconciliation.
- Bi-directional sync
- No reconciliation drift
- Real-time event propagation
- Audit trail across both sides
Claims & billing integration (TDX)
Claims and billing data flow outbound from TSC into the carrier’s downstream systems through TDX. The bond record stays consistent across the carrier’s workflow.
- Outbound claims integration
- Outbound billing integration
- API-first developer experience
- Recovery from Principal supported natively
TODAY
ON TINUBU
Agency and carrier workflows
TODAY
Connected by file transfer, email and re-keying
ON TINUBU
Connected natively through Digital Highway
The bond record
TODAY
Held separately on each side, reconciled after the fact
ON TINUBU
Synchronized across both sides in real time
Rates and forms
TODAY
Requested from the carrier, or held locally and allowed to drift
ON TINUBU
Available at the point of execution
Intake
TODAY
Structured feeds where they exist, manual entry where they don't
ON TINUBU
Structured and document-based intake both supported
Underwriting context
TODAY
Reconstructed per submission from documents and prior decisions
ON TINUBU
Prepared inside the workflow before the decision
Lifecycle events
TODAY
Handled separately on each side
ON TINUBU
Connected from request through servicing
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Discovery 1-2 WEEKSSurety operations review with underwriting, operations and IT leadership. Bond product mix mapped. Obligee and form library scope confirmed.
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Planning & configuration 3-4 WEEKSUnderwriting framework encoded - 3 Cs methodology, WIP analysis rules, indemnity treatment, appetite logic. Per-agency pricing configured.
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Build & integration 5-8 WEEKSBond form library mapped to the obligee set in scope. Appointment rules configured. Digital Highway integration built. Claims and billing wired.
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Test, go-live & hypercare 4-8 WEEKSUAT on live bond scenarios. Phased go-live aligned to the calendar. Named customer success team embedded post-launch.
