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The market leader in commercial premium financing

In 2023, IPFS financed more than 750,000 loans across North America, totaling more than $15 billion in the United States. As the industry leader our solutions provide key benefits for every step of the insurance process, including:

  • Flexible financing options for insurance premiums

  • Customizable and secure payment collection solutions

  • Improved cash flow and revenue opportunities

  • Premium billing, collection, and funding through IPFSDirect

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years providing innovative financial solutions


locations delivering local service


dedicated associates throughout North America

28 locations across the United States, Canada, and Puerto Rico

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Nationally Recognized,
Locally Focused.

As one of the largest providers of premium financing in the United States, Canada, and Puerto Rico, IPFS has earned recognition for providing outstanding value to our clients while pushing the premium finance industry ahead with our forward-thinking solutions. Headquartered in Kansas City, Missouri, IPFS has achieved national success, consistently prioritizing a local approach to service through each of our office locations. Our team members understand their communities and the businesses that operate within them. That is why we can find premium financing solutions that are expertly tailored for our clients.


IPFS has spent decades honing exceptional offerings and products for the insurance industry. Our solutions help everyone involved from insureds to the agents and carriers who serve them. We provide short-term loans for businesses and individuals to obtain property and casualty insurance, freeing up capital and allowing them to obtain appropriate coverage.


We are an indispensable and strategic ally to our valued customers. We consistently 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. Our team at IPFS strives to consistently innovate and provide cutting-edge service with our One Platform approach.

Values and Culture

Mission Statement:

To be the market leader by delivering innovative financial and technology solutions to help our customers, partners, and investors achieve their goals.

Core Values

Legendary Service®
Financial Strength

Company Culture:

Our associates are the foundation of our company. We strive to make our workplace a great place for everyone. IPFS sponsors company lunches, corporate outings, and even the occasional ice cream truck!

*Legendary Service is a registered trademark of Blanchard Training and Development, Inc.
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Tom Charbonneau, with four other associates, started Premium Financing Specialists (PFS) in Kansas City in 1977. Tom firmly believed that people do business with people. This was the guiding premise on which he launched the business all those years ago, and it is the guiding principle under which we operate today. Under Tom’s guidance, PFS grew to become the fourth largest premium financing company in the country. Tom’s dedication and pragmatic attitude not only shaped our company’s success, but made a lasting impression on everyone he met. In later years, PFS and Imperial Credit Corporation (ICC), two of the strongest premium finance brands in the market, merged to create IPFS.