Premium Financing for Business Owners

Insurance Premium Finance Leaders

Financing your insurance premiums gives you the flexibility to use your working capital more effectively. We will work with you to develop customized financing solutions that fit the needs of your business. Premium financing allows business owners greater financial freedom for product development, hiring employees, marketing efforts and other investments needed to grow your business.

Benefits of Premium Financing

Insurance premium financing is beneficial to business owners of all types. Whether you are opening a small shop or managing a larger corporation, strategic financial options to pay insurance premiums can allow many decision-makers to breathe a little easier. Large-scale companies tend to have a greater volume of assets to insure, thus increasing their insurance premium. Leveraging premium finance can allow them to build their budget with greater freedom. Smaller companies and entrepreneurs tend to have lower initial monetary volume, so financing options were built to help relieve some of the burden when planning for larger uniform payments.

Why Should I Finance?

Ask your insurance agent to provide an IPFS premium finance quote for your coverage. Most quotes are available in minutes with no financial information required. Once you have signed a Premium Finance Agreement (PFA), which can be done electronically depending on your state, installment payments can be paid by mail, phone, fax, pre-authorized account debit, our secure website, or our IPFS Connect® mobile app.

  • Preservation of capital: Amortize your payments over the term of the loan and free up working capital to invest in other business opportunities
  • Availability of credit: Keep your credit lines open for other business purposes
  • Higher returns:Earn more on the retained capital than you would by prepaying your insurance premiums
  • Affordability:Purchase additional coverage at a competitive rate
  • Fixed rate:Take comfort in knowing your rate and payments will not increase over the term of the loan

Types of Coverage

Some of our most frequent finance agreements include:

  • Property & Casualty
  • General Liability
  • Commercial Auto
  • Property
  • Professional Liability
  • Workers' Compensation
  • Errors & Omissions

Industries We Service

A few of the industries we service:

  • Trucking
  • Real Estate | Property
  • Commercial Business
  • Automotive | Air | Marine
  • Cyber | Digital
  • Capital Commercial & Retail
  • Medical | Hospital

Industry-Leading Service That Benefits You


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 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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