Keep coverage active and cash in the account. Working capital from $25,000 for established businesses facing a big renewal bill.
Check My OptionsInsurance Premium Working Capital
When liability, auto and workers' comp renew together, the down payment can crowd out payroll. We look at your deposits and show the full cost before you accept.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We read your score next to your deposit history instead of letting it decide alone.
Your offer shows the total repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is laid out in the offer up front, so you can line it up against your monthly budget.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
General liability, commercial auto, workers' comp, property: for a lot of owners these renew in a cluster, and the carrier wants a large down payment or the full annual premium up front. The policy protects the business, but paying it can leave the operating account thin right when payroll and supplier bills come due. That is the situation we see most often with requests for funding for insurance premium payments.
We offer working capital from $25,000 to $5,000,000 for established businesses with steady deposits, and the 5-minute application starts with a soft credit pull.
The purpose of the money matters less than the health of the account it will be repaid from. Underwriters typically look at:
No tax returns are required to start.
Some carriers offer installment plans, and those can be worth comparing. Owners come to us when the installment option is not available, when the down payment is still large, or when several policies renew in the same month. Spreading that cost lets the business keep a cash cushion for the slow week or the unexpected repair, which is part of what insurance is supposed to protect anyway.
A lump sum of working capital works for a single large premium. A business line of credit fits owners whose policies renew at different points in the year and who want to draw only when a bill arrives. A merchant cash advance or revenue-based financing can suit card-heavy or seasonal businesses whose repayment should follow sales. Sole proprietors can apply for any of these.
Every offer lays out the full repayment amount and the repayment schedule before you accept, so you can set it next to the carrier's own payment plan and decide which costs less for your business. Nothing changes after you sign.
Yes. Working capital can go toward business insurance premiums, including down payments and full annual bills. Underwriting focuses on your deposits, obligations and credit rather than the specific policy.
Funds go to your business bank account, and you pay the carrier as you normally would. That keeps the policy relationship between you and your agent.
Funding can arrive in as little as 24 hours for qualified businesses. Applying a week or two ahead of the renewal leaves room to gather statements and review the offer.
About three months of business bank statements and the 5-minute application. No tax returns are required, and the first step is a soft credit pull.
Yes. Your offer shows the full repayment amount up front, so you can compare it with any premium financing your carrier or agent offers and pick what fits your cash flow.
Example uses for illustration only.
A few steps can make a premium request easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding