About Premium Financing

The goal of premium financing is to alleviate a financial burden for business owners and to provide insurance agencies a catalyst to reach a broader audience with a specific need.

Our Financing Solutions

Imperial PFS offers flexible premium finance lending with multiple benefits for our agency partners and insureds (business owners). As a privately held commercial financing company, and with over 40 years of experience, our Customers get a professional level of care that is unrivaled. Premium finance programs are reliant upon a number of variables, including down payment amounts and the number of payments.

Sample terms for commercial policy financing might be:

  • 25% down and nine monthly payments or
  • 15% down and 10 monthly payments

We may also be able to offer financing for fully earned policies, audits, bonds, and retrospective rated policies to qualified insureds.

Finance Solutions

If you are an insurance agent, general agent or insurance company representative, please check out the benefits you can gain by partnering with Imperial PFS.

We have additional information for business owners interested in how a premium finance loan can bring benefits to your business.

A Strategic Partner in Premium Financing

Insurance agents, agencies, and underwriters partner with Imperial PFS to offer financing solutions to business owners seeking insurance coverage. In essence, IPFS becomes the insurance agency’s strategic premium finance partner. As a privately held company, we are able to provide custom solutions to fit the needs of our Customers in ways other lenders can't.

One way we provide a competitive edge is with our quick, easy approval process. As the business agrees on insurance coverage through the agency, a quote is submitted to the premium finance company. Once the terms and payment options are provided to the agency, a premium finance agreement is written. The length of the loan is dependent on several variables, however most of our agreements use a nine or 10 month installment.

Because the purchase of insurance premiums does not require financing, the cost of your desired coverage is the same whether you decide to finance the premium or not.

Approval Process

As we mentioned above, the IPFS approval process is fairly straight forward. One of our goals is to provide a beneficial service to insurance agents in effort to give business owners the commercial insurance coverage they need. After financing over 609,000 loans in 2020 alone, we are confident we can find a solution for you.  

Commercial Insurance Approval Process
Commercial Insurance Important dates in IPFS History

Types of Coverage

IPFS combines superior technology and more than 40 years of legendary Customer service to provide a seamless premium finance experience. We provide a personal Account Executive that works closely with insurance agents to provide custom solutions for business owners.

  • Property & Casualty
  • Professional Liability
  • Commercial Auto
  • Trucking
  • General Liability
  • Errors & Omissions
  • Business Owner's Policy (BOP)
  • Personal Lines


We truly believe we have the best Customers in the industry. We work hard to individually cater to specific needs for small, medium and large companies, including general insurance agents. Here are some of the industries we finance with:

  • Property/real-estate
  • Trucking
  • Construction
  • Transportation
  • Hospitality
  • Business Owners

Industry-Leading Service That Benefits You

IPFS combines superior technology with more than 40 years of legendary Customer service to provide a seamless premium finance experience. Whether you are a business owner or an insurance agent, we provide the personal attention needed to help your business succeed. Click on a link below for more information.


Benefits for Insurance Agents

Immediate commission collection, superior account receivable ratios, reduced billing expenses, enhanced service for your clients, increased annual income, and much more. In 2021, we financed more than 700,000 insurance loans across North America, totaling nearly $12 billion in premiums in the US alone.


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Benefits for Business Owners

Financing your commercial insurance premiums gives you the flexibility to use your working capital more effectively. Freeing up capital can allow you to focus on product development, hiring new employees, marketing and other investments to grow your business.

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Benefits for Insurance Companies

The insurance industry is digitally enhancing its purchase and service model to elevate the customer experience for insureds. This is where IPFSDirect® steps in. IPFSDirect is a business unit established under IPFS Corporation who works exclusively with insurance companies providing payment and collection services.

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Contact us to learn more about how IPFS can help your business

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