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Premium Financing

Premium financing offers business owners the ability to alleviate the financial burden associated with paying a lump sum for their insurance premium, opening the door for insurance agents to reach a broader audience with specific insurance needs. 

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Our Financing Solutions

Our flexible premium financing includes multiple benefits for our clients and the business owners they insure. From immediate commission collection, superior account receivable ratios, and reduced billing expenses to enhanced service for your customers and the opportunity for increased annual income, the value of working with IPFS is endless.


As a privately held premium finance company with more than 47 years of experience, our clients receive unrivaled professional care and service. While premium finance programs rely on a range of variables, we may be able to offer financing for fully earned policies, audits, bonds, and retrospective-rated policies.


Sample terms for commercial policy financing might be:

25% down and 9 monthly payments or

15% down and 10 monthly payments

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Access the Agency Dashboard on for insights into how insureds use IPFS services. Available information includes activity data and electronic communication enrollment. Create a range of reports in PDF or Excel workbook formats.

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Access quotes online at, by email, or by phone. All quotes can be viewed and amended online, and renewal quotes load the prior year’s information, making the process as quick and efficient as possible.

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eForms & eSign

Automate email delivery to specific addresses in your organization from any device at any time. Electronically collect a signature and submit it online to reduce paperwork.

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IPFS Connect® Mobile App

Access account information 24 hours a day, seven days a week via mobile app. Agents and insureds can make payments, check account status, update account information, and receive important push notifications from IPFS.

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Custom Branding

Highlight your brand and help insureds recognize important IPFS communications by co-branding or white labeling insured-facing points of contact. With custom branding you will create brand awareness and recognition, drive more efficient outcomes by creating a consistent user experience for insureds, and confirm that insureds receive consistent coverage that isn’t interrupted due to a missed payment.

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Payment Options

Paying for premiums has never been easier. IPFS offers many ways to pay including the ability to make payments in installments, in full, or anytime. Payments can be made by interactive voice response, check or money order to a secured lockbox, bank bill payment, pre-authorized account debit, and credit card. Qualified account holders will be offered enhanced terms through IPFS Credit Advantage®.

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IPFS Integrations

Eliminate busy work by integrating with IPFS. Integrations provide powerful reporting, automated data entry, and tracking opportunities with minimal manual intervention, saving time and making daily tasks more efficient. IPFS can integrate with most Management Systems.


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Cancellation Avoidance Tools

Avoid insurance coverage disruption with timely payment due date reminders, cancellation notices via text message and email, impending cancellation reports provided to agents, and the ability for agents to place accounts on hold to delay cancellation.


The technology solutions from IPFS are crafted to solve problems faced by insurance agents, providers, and business owners


IPFS Totalpay

Provide premium payment flexibility to your agency and your customers



A single platform of technology solutions to improve customer experience



ONE platform helps with every step of offering insurance and works seamlessly with your agency


IPFS Payments

Streamlined and simple payment options for insureds

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A Strategic Ally in Premium Financing

Insurance agents, agencies, and underwriters collaborate with IPFS to offer financing solutions to business owners seeking insurance coverage. As a privately held company, IPFS is able to provide custom solutions to fit the needs of our customers in ways other lenders cannot.

One way we provide a competitive edge is with our quick, easy approval process with competitive rates and terms. 

Policyholder arranges insurance through agency
Agency creates a quote using to generate a premium finance agreement
Policyholder signs premium finance agreement and pays down payment
Insurance premium is funded by IPFS in accordance with the premium finance agreement
Policyholder repays IPFS in installments for loan

Because the purchase of insurance premiums does not require financing, the cost of the desired coverage is the same whether your policyholder decides to finance the premium or not.

The loan length depends on several variables. Typical agreements use either a nine-month or ten-month installment.


We truly believe we serve the best clients in the industry. We work hard to individually cater to the specific needs of small, medium, and large companies including General Insurance Agents, Managing General Insurance Agents, Captives, and Carriers.

Examples of Industries:

  • Property/Real-Estate
  • Trucking
  • Construction
  • Transportation
  • Hospitality
  • Business Owners

Types of Coverage

Our superior technology combined with more than 47 years of exceptional service provide a seamless finance experience for our clients and the customers they serve. IPFS connects insurance agents with our dedicated Account Executives who work closely with them to create custom solutions for business owners. 

Types of policies IPFS provides premium finance for include, but are not limited to:

  • Professional Liability
  • Commercial Auto
  • Trucking
  • General Liability
  • Errors & Omissions
  • Business Owner's Policy (BOP)
  • Personal Lines