Insurance Agency Financing

You deserve a funding partner that understands your unique needs.

Ready to explore your options?

Robust options to support your business

Pathward is committed to the unique requirements of the insurance industry, which we've served for over 35 years. We understand the need for customized options, prompt turnaround time, and a hands-on customer experience.

We work to remove the complexity and unknowns from the lending process, while providing money management resources that can make a big impact on the goals of independent agencies – and their insureds - nationwide.  

Insurance Premium Finance

We support agents, brokers, and insureds with the tools and services that can free up funds and help effectively manage operational costs. Insurance premium financing provides short-term financing for property, casualty, and liability insurance policies. It frees up working capital by allowing the insured to spread the cost of the premium over time.

We structure creative solutions for even the most challenging situations, packaging customized loan terms and payment options at competitive market rates. Then we follow with simple-to-use technologies, hands-on training, and multiple touch-point services including:

 •  User-friendly online quoting and loan management system

  •  Automated notices, reporting, scheduling and pre-cancel alerts

  •  Live chat and 24/7 Integrated Voice Response

  •  Real-time account updates and payment information

  •  Mobile account access and management

  •  Simple one-click renewals

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Agency Finance

Pathward’s commercial loan options help optimize cash flow so you can meet your agency's goals. We offer term loan options to insurance agencies through the SBA 7(a) program and through conventional, non-SBA loans, for:

  •  Agency acquisition and book rolls

  •  Partner buyouts

  •  Debt refinance

  •  Working capital

  •  Commercial real estate

Our competitive repayment terms, interest rates, and structures set your agency up with an optimal lending solution. As an SBA Preferred Lender since 2016, we have the expertise to manage the SBA loan process quickly and efficiently. If your need falls outside of a government guaranteed loan we can help with that too, with term loan flexibility backed by the strength and stability of a nationally chartered bank. Our approach is consultative from the very first conversation, through the end of the loan. 

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Let's Connect

Ready to connect or get more information? Let's explore the unique goals of your business to learn how we can help put you on the right path to success. 


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