Discover Why Performance Bonds Are Essential For Success In Fargo, North Dakota

From our perspective, contractors in Fargo, North Dakota want to compete with confidence, but Performance Bonds often create hesitation. These legal guarantees ensure a contractor completes the project as agreed, or the surety will step in. While simple in concept, they're often misunderstood—especially during city bidding seasons.

Whether you're bidding on a sewer upgrade or a new community facility, most public contracts in Fargo require a Performance Bond. Swiftbonds is here to make that process seamless, helping you meet city and state obligations while staying focused on your build.

Iconic illuminated Fargo Theatre building at night in downtown Fargo, North Dakota, featuring classic art deco architecture and marquee lights.

Many contractors confuse commercial bonding with government securities like US Treasury Bonds performance, but in construction, bonding focuses on guaranteeing fulfillment—not financial return.

Clear Up the Confusion Around Performance Bonds in Fargo, North Dakota

We’ve noticed that many contractors in Fargo, North Dakota struggle with when and how bonds apply. Let’s break down the biggest sources of confusion:

It’s not insurance. A Performance Bond protects the project owner, not the contractor.
Size doesn’t matter. Any contractor bidding on jobs over $100,000 under North Dakota Century Code § 48-01.2-10 must post a bond.
Credit isn’t everything. Swiftbonds helps contractors access payment and performance bonds with bad credit through alternative underwriting paths.
Wrong terms cause problems. Mislabeling a requirement as “bonds performance crop” instead of using correct terminology can cost you the job.

Some also mistakenly compare these construction bonds to US Treasury Bonds performance, but the two serve completely different markets and outcomes.

Trust Swiftbonds To Guide You Through Bonding In Fargo, North Dakota

Based on our experience, contractors in Fargo, North Dakota perform best when they partner with a bonding expert that understands local requirements. Swiftbonds offers exactly that.

Why local contractors choose Swiftbonds:

Familiarity with Fargo’s municipal bonding procedures.
Fast approvals—many issued in under 48 hours.
Access to sureties that offer payment and performance bonds with bad credit.
Paperwork support for bid submissions and legal compliance.

We’re not just helping you get bonded—we’re helping you grow your contracting business in Fargo.

Use This Step-By-Step Game Plan to Get Bonded in Fargo, North Dakota

What we’ve discovered is that Fargo contractors succeed when they follow a structured bonding plan. Here’s a fast, effective approach:

Review the RFP or City Contract
Locate the section on bonding—Fargo listings usually state bond types and values explicitly.
Identify Required Bonds
- Bid Bond (submitted with proposal)
- Performance Bond (guarantees contract performance)
- Payment Bond (ensures subs and suppliers get paid)
Request a Swiftbonds Quote
Just provide the project amount and basic business info.
Submit Documents
Includes financial statements, project experience, and WIP schedules.
Approval and Issuance
Most Performance Bonds for Fargo jobs are issued within 1–2 business days.
Deliver the Bond to City Officials
File through Fargo’s project portal or deliver it directly, based on bid instructions.

Group of Fargo, North Dakota construction professionals reviewing architectural plans at an active job site with scaffolding and cranes in the background.

Gain An Advantage by Acting Early on Bonds in Fargo, North Dakota

We’ve found that early preparation is one of the biggest advantages contractors in Fargo, North Dakota can leverage. Having bid performance and payment bonds ready at submission makes a strong impression.

Early action helps you:

Beat bid deadlines with ease.
Avoid disqualification from simple technicalities.
Improve credibility with Fargo’s procurement and engineering staff.

Being first and being compliant often go hand in hand—especially when you're working with the City of Fargo.

See our Performance Bonds in Hickory, North Carolina page

Avoid Project Risks By Meeting Bond Deadlines in Fargo, North Dakota

In our observation, failing to secure a bond on time creates serious risk for Fargo contractors. Here’s what can happen:

Lost Bids: Incomplete submissions are immediately disqualified.
Terminated Contracts: If a Performance Bond isn’t submitted by the stated deadline, the contract is revoked.
Reputation Damage: Delays or defaults affect your ability to win future Fargo bids.

Swiftbonds helps Fargo contractors eliminate these risks by issuing bonds quickly—and accurately.

Experience The Swiftbonds Advantage in Fargo, North Dakota Construction

We’ve learned that contractors in Fargo, North Dakota who work with Swiftbonds consistently complete bids faster and with fewer errors. Our team knows local procedures, required forms, and how to meet deadlines for Fargo public works.

With Swiftbonds, you get:

Access to a range of sureties.
Options for payment and performance bonds with bad credit.
Local expertise for bonding in Fargo city departments.

We go beyond the bond—we give you the support that wins bids.

Diverse team of construction workers in safety vests and helmets collaborating on-site at a Fargo, North Dakota building project.

Follow Local Law to Stay Compliant with Performance Bonds in Fargo, North Dakota

In Fargo, North Dakota, performance bonds are a critical requirement for public construction contracts. These bonds ensure that contractors fulfill all obligations under their contracts, safeguarding the city’s infrastructure investments and maintaining compliance with local and state regulations.

Statutory and Municipal Bonding Requirements

Under North Dakota Century Code (NDCC) § 48-01.2, any public construction project over $100,000 requires both performance and payment bonds. These bonds must be issued by a surety company authorized to do business in North Dakota. They guarantee project completion and payment to subcontractors, suppliers, and laborers involved in the work.
Source – NDCC § 48-01.2

The City of Fargo imposes additional bonding standards:

Bid Bonds: All bids for city projects over $25,000 must include a bid bond equal to 5% of the bid amount. Acceptable forms include a cashier's check, certified check, or a bond from a licensed surety company.
City of Fargo – General Instructions to Bidders (PDF)
Performance Bonds: Awarded contractors must submit a contract bond equal to 100% of the contract value within 10 days of receiving the award.
City of Fargo – General Instructions to Bidders (PDF)
Sidewalk Builder Bonds: A $25,000 surety bond is required for contractors performing sidewalk or concrete work within city limits.
Fargo Code of Ordinances
Tree Contractor Licensing: Tree service providers must post a performance bond and meet licensing and insurance requirements.
City of Fargo – Tree Contractors

Get Answers to Unique Questions About Performance Bonds in Fargo, North Dakota

When are Performance Bonds required in Fargo, North Dakota?

We’ve often noticed they are required for public projects over $100,000 or when listed in a city RFP or contract specification.

Can I qualify with poor credit in Fargo, North Dakota?

We’ve often noticed that contractors can still qualify for payment and performance bonds with bad credit through specialty underwriters Swiftbonds works with.

How quickly can I get bonded in Fargo, North Dakota?

We’ve often noticed most Fargo contractors receive bonds within 24–48 hours of submitting all documentation.

What happens if I miss the bond deadline in Fargo, North Dakota?

We’ve often noticed it leads to automatic disqualification or cancellation of your awarded contract.

Do private projects in Fargo, North Dakota require Performance Bonds?

We’ve often noticed that some developers still request bonds performance crop even on private jobs to ensure contractor reliability.

Win More Bids with Swiftbonds Support In Fargo, North Dakota

We’ve come to appreciate that Fargo, North Dakota contractors want to compete fairly, finish jobs efficiently, and meet all legal and project requirements. Performance Bonds—especially bid performance and payment bonds—are a key part of that equation.

Traditional North Dakota meal with soup, fish, and layered dessert served on a wooden table overlooking golden wheat fields near Fargo.

While financial instruments like US Treasury Bonds performance focus on long-term returns, construction bonding focuses on project completion and trust. Swiftbonds gives you the tools, the guidance, and the fast turnaround you need to secure your bond and submit your bid with confidence.

Let Swiftbonds help you win your next contract in Fargo, North Dakota—starting with the right Performance Bond.

See our Performance Bonds in Bismarck, North Dakota page

Client Feedback from Fargo, North Dakota

Emily R. – Fargo, ND
"Securing a performance bond for our municipal project in Fargo was seamless with Swiftbonds. Their expertise ensured we met all local requirements promptly."

James T. – Fargo, ND
"Navigating Fargo’s bonding regulations seemed daunting, but Swiftbonds made the process straightforward and efficient. Highly recommend their services."

Performance Bonds in Fargo, North Dakota