Specialty lending created just for agency owners.
We help agency owners access reliable funding in order to buy, grow and invest in their agencies. While traditional funders can be slow to fund or require extensive paperwork, as a specialty lender, our insurance agency funding is:
Access funds quickly.
From application to fund delivery in 5-7 business days. Now you can grow your agency, hire producers, or acquire another book or agency…fast!
Receive customized terms.
Your dedicated Lending Advisor collects basic business paperwork from you, so we can design a loan that fits your agency’s needs.
Gain a knowledgeable lending partner.
With 20+ years of insurance industry experience, we know how to handle unique funding structures like partner buy-outs.
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. 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 lending 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 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.
We had an opportunity to purchase another insurance agency in our area but we didn’t expect how hard it would be to find a knowledgeable lender who’s able to underwrite a transaction with any sense of urgency. AgileCap funded our loan with speed. Their customer service and understanding of the growing pains of merging two entities was exceptional.
Rebecca Barens
CIC – Willow Insurance Group
We talked to many lenders who needed 40-90 days for financing. Then we got in touch with AgileCap. They went through due diligence very quickly and we closed in days rather than weeks — on our largest acquisition to date.
Iffi Wahla
Provence Insurance
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Call (855) 514-1189
As an insurance agency owner, navigating cash flow challenges is an ongoing part of business management. When immediate funding needs arise, many turn to Merchant Cash Advances (MCAs) for quick cash. However, these solutions come with substantial risks that could threaten your agency’s financial health.
In the ever-evolving landscape of insurance agencies constantly seek avenues for growth to remain competitive and meet the evolving needs of their clients. However, facilitating this growth requires financial resources that may not always be readily available. This is where insurance agency loans and the expertise of lending professionals come into play, offering a supportive framework for agencies to pursue their growth ambitions.
Myths about insurance agency lending can stop agency owners from contacting a lender or looking for funds when their agency could really use a capital infusion in order to grow.
