Trades & Field Operations
Production & Supply
Healthcare, Staffing & Education
Professional & Financial
Technology, Media & Events
Insurance & Financial Services Capital
Structured working capital for producer recruiting, book of business acquisition, agency expansion, and commission settlement gaps.
ELIGIBLE OPERATORS
- •Independent insurance agencies
- •Managing general agencies
- •Benefits and group health agencies
- •Financial services firms and RIAs
- •Title and escrow companies
- •Multi-line agency groups
CAPITAL USED FOR
- •Producer recruiting and draw
- •Book of business acquisition
- •Commission settlement gaps
- •Agency management system conversions
- •E&O, licensing and appointments
- •Office expansion and staff buildout
CAPITAL USED FOR
- •Producer recruiting and draw
- •Book of business acquisition
- •Commission settlement gaps
- •Agency management system conversions
- •E&O, licensing and appointments
- •Office expansion and staff buildout
Estimate Your Capital Need
Capital Needs Assessment. Insurance & Financial Services
Enter your operating profile to estimate your working capital gap and recommended facility structure.
Estimated Capital Profile
Commission settlement gap
$600,000
Revenue held in the settlement cycle
Operating exposure
$160,000
Monthly operating obligations
Estimated capital gap
$776,000
Identified capital need
This figure reflects the capital your agency is carrying between the point a policy is bound and the point the carrier actually settles the commission, plus the operating costs you fund while you wait. Renewal-based revenue is predictable, but it arrives on someone else's schedule. Operators in this sector typically structure against that timing rather than borrowing against a single month of deposits, which allows capital to be sized to the strength of the book instead of the balance in the account. A typical first facility ranges from $150,000 to $500,000 depending on commission volume, book size, and whether the capital is supporting producer recruiting or an acquisition. Enter your contact information below to see how this would be structured for your operation.
Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.
Estimates are for advisory reference only. All structures subject to full financial review.
Built for Active Insurance & Financial Services Companies
We work with established agency owners and firm principals managing weekly operating obligations against commission and fee income that settles on a carrier lag.
- Independent property and casualty agencies writing across multiple carriers
- Managing general agencies carrying binding authority and program business
- Commercial insurance brokerages with established renewal books
- Employee benefits and group health agencies on annual renewal cycles
- Financial services firms and registered advisory practices with recurring fee revenue
- Title and escrow companies managing high-volume closing operations
Most clients generate $200K to $1M+ in monthly revenue and carry commission or fee income that settles well after the cost of producing it has already been paid.
Typical Working Ranges
Producer recruiting and operating liquidity.
Book acquisition and agency expansion.
Multi-agency roll-ups and large book purchases.
All structures are tailored to commission settlement timing, renewal book strength, and the size of the book being acquired.
Where Capital Is Deployed
- Producer recruiting, draw and salary
- Book of business acquisitions
- Commission settlement timing gaps
- Agency management system conversions
- E&O, licensing and appointment costs
- Contingency and profit-sharing timing gaps
- Partner buyouts and succession funding
Structured Review Process
- 1.Initial conversation covering your book, carrier mix, and commission settlement cycle
- 2.Review of recent business performance
- 3.Capital structure options presented
- 4.Funding structured around renewal income and settlement timing
A Capital Advisory Approach
We work directly with private capital sources and specialty lenders who understand insurance and financial services. That means funding structured around carrier commission settlement lags, renewal-based recurring revenue, and the upfront cost of acquiring a book of business against future renewal streams. Not generic terms from a bank that doesn't know the industry.
- Structures built around commission and renewal income
- Terms that account for carrier settlement timing
- Direct access to capital sources that already understand agency economics
- Long-term capital access as operations expand
Illustrative Structures
Illustrative examples of how capital is typically structured in this sector. These are composite scenarios for reference, not past engagements.
Situation
A multi-line independent agency running roughly $420K in monthly revenue identifies three experienced commercial producers available to move their books. Each requires a draw and base salary for nine to twelve months before their production begins settling as commission income. The agency has the carrier appointments and the capacity, but not the operating room to carry three non-producing salaries at once.
Structure Deployed
A $300,000 structured credit facility, drawn in stages as each producer is onboarded rather than funded in a single advance. Repayment is scheduled against the agency's existing renewal commission cycle, so obligations track income that is already contracted rather than income that has not yet been written.
Outcome
All three producers are seated within one quarter instead of one per year. The facility carries the draw period; by month eleven the recruited books are settling commission and the agency is servicing the structure out of new production rather than existing reserves.
A multi-line independent agency running roughly $420K in monthly revenue identifies three experienced commercial producers available to move their books. Each requires a draw and base salary for nine to twelve months before their production begins settling as commission income. The agency has the carrier appointments and the capacity, but not the operating room to carry three non-producing salaries at once.
A $300,000 structured credit facility, drawn in stages as each producer is onboarded rather than funded in a single advance. Repayment is scheduled against the agency's existing renewal commission cycle, so obligations track income that is already contracted rather than income that has not yet been written.
All three producers are seated within one quarter instead of one per year. The facility carries the draw period; by month eleven the recruited books are settling commission and the agency is servicing the structure out of new production rather than existing reserves.
Situation
A benefits and group health agency with a stable renewal book has the opportunity to acquire the book of a retiring agent in an adjacent territory. The seller wants the majority of the purchase price at closing. The buyer's own contingency and profit-sharing income arrives annually, so the cash is not sitting in the account at the moment the deal has to close.
Structure Deployed
A $650,000 facility structured against the combined renewal stream of both books, with a term matched to the retention curve of the acquired accounts. Proceeds cover the closing payment, the agency management system conversion, and the first year of servicing costs for the acquired clients.
Outcome
The acquisition closes on the seller's timeline. Retention on the acquired book holds through the first renewal cycle, and the agency services the facility from the acquired renewal income itself rather than from the operating account that funds payroll.
A benefits and group health agency with a stable renewal book has the opportunity to acquire the book of a retiring agent in an adjacent territory. The seller wants the majority of the purchase price at closing. The buyer's own contingency and profit-sharing income arrives annually, so the cash is not sitting in the account at the moment the deal has to close.
A $650,000 facility structured against the combined renewal stream of both books, with a term matched to the retention curve of the acquired accounts. Proceeds cover the closing payment, the agency management system conversion, and the first year of servicing costs for the acquired clients.
The acquisition closes on the seller's timeline. Retention on the acquired book holds through the first renewal cycle, and the agency services the facility from the acquired renewal income itself rather than from the operating account that funds payroll.