Our Loans

Our insurance agency loans help agencies build their future.

See what’s possible with our insurance agency funding.

Loans built with your agency's goals in mind.


Access $50,000 to $5M+ in insurance agency funding for start-up expenses, acquisitions, buy-outs, perpetuation, or working capital.

Your terms are customized to your agency's business needs. Your rates are determined by the value of your agency and your business and personal credit profiles. Repay your loan monthly for up to 8 years.

AgileCap loans give you:

1

$50,000 to $5M in principal

2

7 business day approval and fund delivery

3

Competitive terms tailored to your needs

Your book of business is your collateral.

You put a lot of work into building your book of business, whether you work with health, life, property, marine, individual, small business or commercial insurance. We understand that agencies don’t have tangible assets to use as collateral so we create loans based on the value of your book of business. As specialty lenders, our commission based loans allow you to access funding that others might not be able to offer you, while also reducing the risk to your personal assets.

Recently funded loans

$650,000

Property, and Casualty Agency in TEXAS
Use of Funds: Acquisition
Business days to fund: 45

$2.93M

Property, and Casualty Agency in CALIFORNIA
Use of Funds: Acquisition
Business days to fund: 18

$90,000

Property, and Casualty Agency in OHIO
Use of Funds: Acquisition
Business days to fund: 40

Loan terms, including rates, are determined by the value of your agency and your business and personal credit profiles. We customize your loans to your needs, we can consider loans that might not meet a traditional lender's requirements, and our proprietary funding process is quick.

What we can do for you.

1

Expert consult.

After an initial conversation with a Lending Advisor, we’ll understand your agency, your business plans and your financial needs. You’ll receive a term sheet from us in 24 hours.

2

Simple loan process.

Once you’ve agreed to the terms on your term sheet, your Lending Advisor will just need some basic financial documents to complete the loan process.

3

Quick fund delivery.

Once we receive your financial documents, your funds can be in your account in as little as 7 business days, ready to use.

Get your funding started

As your agency evolves,
our funds go to work for you.

Your agency grows and changes, and so do your financial needs. AgileCap supports agency growth and development through all stages and phases. Our flexible funding options can help you with cash flow as you get established, fund infrastructure as your firm expands or changes, and facilitate a smooth transition during succession planning. We have the experience and knowledge to support you with insurance agency loans for:

Mergers & Acquisitions

Marketing Plan

New Technology

Recruitment & Training

Bridge Loans

Succession Planning

Talk to a Lending Advisor

Or fill out this form and we’ll be in touch with you within 24 hours. No risk, no obligation.

Call (855) 514-1189


Due Diligence Process

If you’re considering an insurance agency acquisition as part of your business growth strategy, it’s important that you put time into understanding any agency (or book) that you’re considering purchasing. Going through a thorough due diligence process - examining detailed information from the seller regarding agency operations and finances - will ensure that you understand what you’d be purchasing and whether it would be a good fit for your existing agency.

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Due Diligence Checklist

If acquisition is part of your growth strategy, it is critically important that you put time into understanding the agency or book that you’re considering purchasing. Doing your due diligence homework will ensure that you know exactly what you’re getting and whether it’s a strategic fit for your business. This checklist should support your due diligence process.

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Steps to take if you’ve been denied an SBA loan

If you’ve applied for an SBA loan and were denied, don’t be disheartened. You have other options for insurance agency lending. Here are the next steps you should take to find the funds that can give you the financial flexibility to achieve your business goals.

Learn More.