Every rate we charge, every payment plan we offer, and exactly how we decide which one you qualify for. No hidden fees, no surprises, and every quote in writing before you sign.
You can pay the premium in full and get our cash rate, which falls as the bond gets larger, or you can put as little as 1% of the bond down and pay the rest monthly. Either way, the price is set in writing before the bond is posted.
One percentage applied once to the whole bond, paid when the bond is written. The bigger the bond and the stronger the file, the lower the rate.
Put 1% to 6% of the bond down. Every monthly payment is 1% of the bond. More money down means less total premium on the back end.
No minimum premium, no processing fees, no surety markup. Alec is self-insured, so no insurance company takes a cut of what you pay.
Pay the whole premium when the bond is written and you get the cash rate for your tier. Every bond we write is backed by a homeowner co-signer with pledged property, so the tier comes down to two things: the strength of your co-signers and the defendant's court-appearance history. The rate is applied once to the entire bond amount.
One excellent co-signer who is a homeowner, with the pledged home covering at least 120% of the bond. No unexcused missed court dates in the past three years.
| Bond amount | Rate, paid in full |
|---|---|
| $1 – $3,000 | 9% |
| $3,001 – $7,500 | 8% |
| $7,501 – $15,000 | 7% |
| $15,001 – $25,000 | 6% |
| $25,001 – $40,000 | 5% |
| $40,001 – $100,000 | 4% |
Two good co-signers with documented income, one of them a homeowner. One prior missed court date is allowed with owner review.
| Bond amount | Rate, paid in full |
|---|---|
| $1 – $4,999 | 10% |
| $5,000 – $7,499 | 9% |
| $7,500 – $25,000 | 8% |
| $25,001 – $50,000 | 7% |
| $50,001 – $100,000 | 6% |
Two or more unexcused missed court dates in three years, or another documented case concern. Three to five good co-signers including a homeowner, and owner approval.
| Bond amount | Rate, paid in full |
|---|---|
| $1 – $4,999 | 15% |
| $5,000 – $25,000 | 10% |
| $25,001 – $50,000 | 9% |
| $50,001 – $100,000 | 8% |
Example. A $20,000 bond paid in full costs $1,200 at the Tier 1 rate of 6%, $1,600 at the Tier 2 rate of 8%, and $2,000 at the Tier 3 rate of 10%. A $50,000 bond paid in full is $2,000 at Tier 1 (4%), $3,500 at Tier 2 (7%) and $4,500 at Tier 3 (9%). The old way, at a flat 10% to 15%, that same $50,000 bond would have cost $5,000 to $7,500.
If paying in full tonight is not realistic, finance the premium. Payment plans are available on bonds of $2,999 and up for Tier 1 and Tier 2 files, and like every bond we write they are secured by a homeowner co-signer. One menu applies to every bond size: the down payment is a percentage of the bond, the total premium drops one point for every extra point you put down, every monthly payment equals 1% of the bond, and the number of payments is simply the remaining premium divided by that monthly amount. The last payment is whatever balance is left.
| Down payment | Total premium |
|---|---|
| 1% of bond | 15% |
| 2% of bond | 14% |
| 3% of bond | 13% |
| 4% of bond | 12% |
| 5% of bond | 11% |
| 6% of bond | 10% |
Monthly payment is $100 on every row; the only thing that changes is how much you put down and how much you pay in total.
| Down payment | Total premium | Monthly | Payments |
|---|---|---|---|
| 1% ($100) | 15% ($1,500) | $100 | 14 |
| 2% ($200) | 14% ($1,400) | $100 | 12 |
| 3% ($300) | 13% ($1,300) | $100 | 10 |
| 4% ($400) | 12% ($1,200) | $100 | 8 |
| 5% ($500) | 11% ($1,100) | $100 | 6 |
| 6% ($600) | 10% ($1,000) | $100 | 4 |
Same menu, bigger numbers. Monthly payment is $1,000 on every row.
| Down payment | Total premium | Monthly | Payments |
|---|---|---|---|
| 1% ($1,000) | 15% ($15,000) | $1,000 | 14 |
| 2% ($2,000) | 14% ($14,000) | $1,000 | 12 |
| 3% ($3,000) | 13% ($13,000) | $1,000 | 10 |
| 4% ($4,000) | 12% ($12,000) | $1,000 | 8 |
| 5% ($5,000) | 11% ($11,000) | $1,000 | 6 |
| 6% ($6,000) | 10% ($10,000) | $1,000 | 4 |
Reading the table. On a $100,000 bond at 1% down, $1,000 is due now, the total premium is $15,000, and the balance is paid at $1,000 a month for 14 months. Put 6% down ($6,000) and the total premium drops to $10,000, with four payments of $1,000. More money down means less premium on the back end.
Tier 3 financing is available but stays at a 15% total premium at every down-payment level, and the minimum down payment is higher: 4% on bonds through $25,000, 5% from $25,001 to $50,000, and 6% above that, always with a homeowner co-signer.
Cash rate floor. A payment plan never quotes a lower total than your approved cash rate. A small Tier 3 bond with a 15% cash rate stays at 15% financed, which can lengthen the schedule: a $4,000 bond at 6% down is $240 now and nine payments of $40.
Timing. The first payment is due one calendar month after the bond is funded, and later payments fall on the same day each month. Before you sign, you see the premium rate, the dollar premium, the down payment, the monthly amount, the number of payments and the final payment, in writing.
I got into bail because the old way was never built for working families. I want to help the masses: a fair price, a real payment plan, and a person who picks up the phone at 3 a.m. Nobody should sit in jail because bail was priced for somebody else.— Alec Spensieri, Professional Cash Bail Agent, License #735171
We price by risk, the way any lender does, but we tell you the rules up front so there is no mystery about why a quote came out the way it did. The one rule that never changes: every bond needs a homeowner.
Every bond we write, cash or financed, any size, requires at least one co-signer who owns real estate and pledges it. For Tier 1 rates, the home's usable equity, after mortgages, liens, taxes and sale costs, covers 120% of the bond; a $100,000 Tier 1 bond is backed by $120,000 in usable equity. Tiers 2 and 3 require a homeowner co-signer.
A co-signer, also called an indemnitor, is an adult with verified identity, address, income and a willingness to be responsible for the bond. The defendant never counts. Two people sharing the same income count as one resource. The homeowner can be one of your required co-signers.
At least 12 months of reliable income, monthly free cash of at least $500 or 1% of the bond (whichever is more), and verified reserves of at least $1,000 or 1% of the bond.
At least 24 months of reliable income, monthly free cash of at least $1,500 or 3% of the bond, and reserves of at least $3,000 or 3% of the bond. Tier 1 requires one of these, and that person is the homeowner.
No verified unexcused missed court dates in 36 months keeps a file eligible for Tier 1. One moves it to Tier 2 with owner review. Two or more place it in Tier 3 regardless of the collateral.
If the same home already secures another active bond, that amount is counted when we review the file. We never count the same asset or the same liability twice, and existing exposure on a signer team gets owner review.
| Tier and bond size | Co-signers | Home coverage | Minimum down |
|---|---|---|---|
| Tier 1, through $100,000 | 1 excellent, the homeowner | 120% | 1% |
| Tier 2, through $25,000 | 2 good, one the homeowner | Homeowner | 1% |
| Tier 2, $25,001 – $50,000 | 2 good, one the homeowner | Homeowner | 1% |
| Tier 2, $50,001 – $100,000 | 2 good, one the homeowner | Homeowner | 1% |
| Tier 3, through $25,000 | 3 good, one the homeowner | Homeowner | 4% |
| Tier 3, $25,001 – $50,000 | 4 good, one the homeowner | Homeowner | 5% |
| Tier 3, $50,001 – $100,000 | 5 good, one the homeowner | Homeowner | 6% |
Bonds over $100,000 and anything outside this table are quoted individually by the owner. Cash quotes require the same homeowner and co-signer support as financed ones.
Bring us a lower written quote from a licensed Colorado bail agent for a comparable bond, meaning the same bond amount, charge, collateral and co-signer situation, and we will beat it. Verbal quotes and quotes that leave out fees do not count, because they are not what you would actually pay.
We can make this guarantee because Alec Spensieri is a professional cash bail agent and self-insured. Most bail agents write bonds through a surety insurance company that approves each bond and takes a share of every premium. Alec posts his own bonds, so that share stays with you.
The premium is non-refundable. It is the fee for posting the bond, with every bail agent in Colorado, and it is earned when the bond is posted, even if the case is dismissed the next day.
The home comes back. Pledged property is released when the case ends and the agreement is paid in full. Nothing is recorded against the home unless the defendant fails to appear and the bond is forfeited.
The financed price is the price. A payment plan premium is set when the bond is issued. Paying off early follows the written contract and Colorado law, including any required credit, but we do not automatically swap in the cash rate after the fact.
Court costs are separate. Fines, court fees, pretrial supervision and monitoring fees are set by the court, not by us.
Yes, on bonds over $40,000 for Tier 1 files paid in full: one excellent co-signer who is a homeowner with equity covering 120% of the bond. Rates run from 4% to 10% paid in full depending on the bond amount and tier, and every quote is in writing before you sign.
Because we are carrying the balance, sometimes for more than a year, with no interest charged. The total premium on a plan runs from 10% to 15% depending on your down payment, and putting more down lowers it.
No. Payment plans start at $2,999. Small bonds are paid in full at the cash rate, which on a $2,000 bond is $180 to $300 depending on tier.
You can still be a co-signer, but every bond needs at least one co-signer who owns real estate and pledges it. That person is often a parent, a sibling or a close friend of the defendant. Call us and we will walk through who in the family might qualify.
Not unless something goes wrong. The homeowner signs an agreement pledging the equity. If the defendant appears at every court date, the pledge is released when the case ends and the premium is paid in full, and nothing is ever recorded against the home.
Usually within minutes of your call. Tell us the bond amount, the charge and who can co-sign, and we will tell you the tier, the rate and the plan options. Call or text 970-800-4444, 720-776-4444 or 719-413-4444, 24/7.
No interest or finance charges. The total premium is fixed in the agreement, and your payments go toward that balance until it is paid.
Call or text any hour. Alec answers his own phone, nights, weekends and holidays included.
Colorado Bail Bonding Agent License #735171 · Professional cash bail agent · Self-insured