Customized insurance agency acquisition loans and funding solutions designed to help independent agencies grow.
We help agency owners access insurance agency business loans in order to buy, grow and invest in their future. As a specialty lender, we move fast, require minimal paperwork, and understand the value of your book of business. With our insurance agency funding, you can:
Access funding in 5–7 business days.
Whether you're ready to hire, expand, or purchase an insurance agency, we deliver fast, flexible financing without the paperwork or waiting you'll get from traditional lenders.
Receive customized terms for your insurance agency loan.
Your dedicated Lending Advisor collects basic business paperwork from you, so we can design a loan that fits your agency’s needs.
Gain a knowledgable lending partner.
With 20+ years in insurance agency lending, we know how to structure funding for acquisitions, partner buyouts, producer hires, and more.
Even if you don’t fit a traditional lender’s tight credit requirements, or you need to move faster than traditional loan processes, want more flexibility in terms, or require a unique funding structure, we can help. Our insurance agency lending is built for how agencies actually operate — not how banks think they should. It all starts with a no-pressure conversation with a Lending Advisor.
Contact us for an initial conversation with one of our Lending Advisors. We’ll get back to you within 1 business day. Then we’ll get to know your agency, your business plans and your financial needs.
You’ll receive a term sheet from us within 1 business day, outlining the rate, timing, and repayment terms you qualify for. Once you’ve agreed to the terms on your term sheet, we’ll just need some basic financial documents to complete your loan process.
Once we receive your financial documents, our streamlined underwriting process begins. Your funds can be in your account in as little as 7 business days, ready to use.
For starters, insurance agency financing is ALL WE DO.
We built our business and we build our loans specifically to serve insurance agencies.
Our lending requirements, loan terms, and fund delivery are designed with an agency's business structure and funding needs in mind. Our aim is to offer agency owners customized, flexible funding so they can build their business and respond to growth opportunities at every stage of their agency's lifespan.
Compare us with traditional lenders:
Banks |
SBA Lenders |
AgileCap |
|
Minimum FICO |
720+ |
680+ |
550+ |
Time in Business |
Difficult for startups |
2 years |
2 years or industry experience |
Repayment terms |
Up to 25 years |
7 - 10 years |
2 - 10 years * |
Required documents |
Extensive |
Extensive |
Simple business documents |
Fund delivery |
60 - 90 days |
60 - 90 days |
Term Sheet: 24 hours |
* Terms can be customized for your needs. Rates are determined by the value of your agency and your business and personal credit profiles.
AgileCap always makes fast decisions and offers speedy execution on deals that often times are difficult and cannot be handled by more traditional sources.
Sam Patterson
Springtree Group
AgileCap has been a great company to work with. From day one they took the time to understand my situation and create a plan to make it work for me. AgileCap understands insurance agencies, so they could customize funding to meet my agency’s needs.
Monte Johnson
Monte Johnson Insurance Services Inc.
AgileCap worked with our commission structure and mediated legal terms, so we could get our loan and add producers to our team.
Travis King
Riskpro Global Partners
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Call (855) 514-1189
At AgileCap, we understand that timing is crucial, especially when year-end goals and tax implications are at stake. Last December, we partnered with an independent insurance agency to provide a $300,000 book acquisition loan in less than 30 days.
As the year draws to a close, owners of small insurance agencies face a pivotal moment—not just to wrap up operations, but to set the tone for the year ahead.
Acquiring an insurance agency is one of the fastest ways to grow your business. Whether you're expanding into new markets or increasing your book of business, knowing where to look is half the battle. Here are five proven strategies to help you find the right agency for sale.
