Funding for Insurance Agencies in All 50 States

How insurance agency funding actually works

An agency's value is its recurring book, but that revenue compounds slowly while growth costs hit upfront. Buying a retiring agent's book can run one to two times annual commissions, and a new producer draws salary for months before their pipeline pays off. Commissions and renewals arrive on carrier schedules, so timing rarely matches the moment you need capital to grow.

Two structures that fit insurance agencies

Working-capital funding. A lump sum repaid from ongoing commissions, used to hire and support producers, invest in an agency management system, and bridge the timing between carrier payments and payroll.

Acquisition and growth capital. Larger amounts to purchase a book of business, buy out a retiring agent, or open a new office — repaid as those renewals and new policies build recurring revenue.

What agency owners use it for

Book-of-business acquisitions, producer hires, agency technology, marketing, and bridging commission timing. From $10,000 to $2,000,000 based on monthly revenue.

Why agencies skip the bank

Banks struggle to value a book of business and want collateral an agency does not carry. We underwrite your commission revenue and give decisions in about 24 hours, funds in 24–72. Most agencies qualify with 3+ months operating and $75,000+ in monthly revenue — recent business bank statements start it. No collateral.