About Us

Imperial PFS is the industry leader in commercial premium financing. We provide short-term loans for businesses and individuals to obtain property and casualty insurance coverage, thus freeing up capital and allowing them to obtain appropriate insurance coverage. IPFS works with our agency partners to ensure a seamless premium finance experience for all parties involved.

What began in 1977 with one branch in Kansas City, MO has grown to 30 branch locations and over 600 associates in North America. While much has changed in 45 years, our commitment to providing legendary customer service has remained the same. We believe that legendary customer service means serving as an indispensable partner to our valued customers, rather than just a vendor. Read more about the members of our Leadership Team.

Imperial PFS was created by combining two of the strongest premium finance brands in the market: Premium Financing Specialists (PFS) and Imperial Credit Corporation (ICC). For more on the history of IPFS, please see below. If you would like to learn more about the founder of IPFS, you can read the bio of Tom Charbonneau.

Important Dates in IPFS History

    • 2000
    • ipfs.com is established
    • Online Quoting is released
    • 2006
    • eSignature available
    • 2009
    • eForms option introduced
    • 2011
    • Imperial PFS® launched as one brand
    • 2013
    • Mobile-optimized website and app
    • 2016
    • IPFS Credit Advantage® launched
    • 2017
    • Agency Dashboard added to ipfs.com

Every day, we work to deliver on our Corporate Mission Statement: To be the market leader by delivering innovative financial and technology solutions to help our customers, partners, and investors achieve their goals. Since our founding, we have been asking “What’s next?” The premium financing industry evolved quickly, and our team at IPFS strives to consistently innovate and provide cutting-edge service with our One Platform approach.

ONE Platform from IPFS

IPFS’s One Platform combines premium financing, payments, eSignature, and secure document delivery into a suite of services that streamline operations, shorten the sales cycle, improve customer experience, and foster business growth. Our solutions address the problems that agencies face on a day- to-day basis. This empowers our customers to maximize revenue and better serve their customers. Customers who utilize IPFS for their premium financing and payments needs are able to:

• Increase overall premium finance levels and streamline the premium financing process.

• Reduce time spent collecting payments and optimize average collection periods.

• Increase income through premium financing activity and bolster working capital.

• Streamline payments, accounts receivable, and accounts payable processes.

• Create a better insured experience.

Nationally Recognized, Locally Focused

Over the past 45 years, IPFS has grown to become one of the largest providers of premium financing in the United States and Puerto Rico. We’ve been recognized again and again for providing outstanding value to our clients while moving the premium financing industry forward.

Even with our national success, we still have that local touch. We consider local awareness to be an integral part of our outstanding customer service. That’s why we use our many branches and hundreds of associates to keep an ear to the ground in our localities. Our associates know their communities and the businesses that work within them. That’s why we’re able to find premium financing solutions that are perfectly crafted for our clients.

Premium Financing with IPFS

IPFS has spent decades honing and crafting the perfect premium finance offerings. Our solutions will help everyone involved, from insureds to agents and carriers. Our impressive technology solutions provide key benefits in every step of the insurance industry, such as:

  • Easily collect card and ACH payments
  • Maintain cash flow for business owners and insurance providers alike
  • Customize and brand landing pages for payment collection
  • And more

Our comprehensive technology solutions and our outstanding customer service should make the choice to work with IPFS the easiest decision you can make. Contact us today to start working with IPFS.

*Legendary Service is a registered trademark of Blanchard Training and Development, Inc.




Learn the Benefits of Partnering With IPFS


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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