At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments
Protecting Loan Providers & Empowering Borrowers Worldwide with Trust, Assets, and Surety Bonds Backed by Joint Shares Investment Holdings (JS)
Non Collateral Loan Insurance Cover, also known as Surety Bond Insurance Cover, is a revolutionary financial protection product designed specifically for loans that do not require collateral. Unlike traditional secured loans that demand property or assets as security, these loans rely on the trust and guarantee of the borrower’s ability to repay. Our insurance cover acts as a strong safeguard for loan providers, ensuring that they have full assurance backed by the assets and credibility of Joint Shares Investment Holdings (JS).
By issuing a certified guarantee or surety bond, JS stands as the guarantor, pledging repayment in the event of borrower default. This innovative product expands financial inclusion by enabling lenders to offer non collateral loans confidently, knowing that risks are mitigated by our robust insurance cover.
The borrower applies for a non collateral loan with the loan provider, who requires assurance of repayment before final approval.
Joint Shares Investment Holdings evaluates the borrower's profile and loan terms, then issues a surety bond certificate guaranteeing repayment to the loan provider.
The loan provider disburses the loan, confident that JS’s guarantee secures the loan amount, reducing financial risk significantly.
JS continuously monitors the borrower's repayments. If any default occurs, JS immediately compensates the loan provider as per the surety bond terms.
The guarantee is not just a promise — it is fully backed by the strong assets, reserves, and global trust established by Joint Shares Investment Holdings.
Provides a legally binding assurance to lenders that their loan funds are protected against defaults.
Enables borrowers with no tangible assets to access loans based purely on trust and JS backing.
The surety bond mitigates financial risks by assuring repayment, encouraging lenders to expand credit access.
JS provides continuous monitoring and proactive management of loan repayments, ensuring early intervention if needed.
JS operates worldwide, supporting loan agreements in over 130 countries across all 7 continents.
Joint Shares Investment Holdings is a financial powerhouse headquartered in Luxembourg, renowned for its impeccable trustworthiness, strong asset portfolio, and rigorous financial discipline. Our surety bond insurance cover is not a mere promise — it is fully supported by:
JS is proud to support loan providers and borrowers from over 130 countries across all seven continents. Our expertise spans diverse markets, regulatory environments, and cultural nuances, making us the trusted partner for international financial institutions and growing fintech companies alike.
Our multilingual customer support teams and regional partners ensure that loan providers receive personalized service and effective risk management, wherever their borrowers are located.
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