Competitive rates, real arranger fee opportunity, and a team that moves as fast as you do.
Your clients deserve competitive rates and flexible terms. Your agency deserves a partner that moves fast, communicates clearly, and treats your book like it matters.
PRICING
We set rates based on what works for your clients, then build our margin around that. No race to the bottom, no surprises.
TECHNOLOGY
Digital applications, instant decisions, and a portal your clients can actually use. We eliminate friction at every step.
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PARTNERSHIP
You get a dedicated rep, transparent reporting, and the tools to grow your book. We succeed when you succeed.
STEP 01
Send us your client's policy details. We'll turn around a quote fast.
STEP 02
Patch underwrites, funds, and services the loan. You stay focused on your client.
STEP 03
Your client gets competitive rates and flexible terms. You earn your arranger fee where applicable.
ALREADY WITH SOMEONE ELSE?
If you're currently using another premium finance provider, we make the transition painless. Our team handles the heavy lifting so there's no disruption to your carrier relationships or your clients.
Make the switch
OUR TEAM
Patch was founded by people who believe the insurance ecosystem should work better for the people closest to the client — the brokers. We’re building infrastructure for alignment, not extraction.
Alan Chang
Co-Founder
Alan built Patch to give brokers the financing partner they’ve never had.
Eric Smithers
Co-Founder
Eric brings deep experience in insurance operations and broker relationships.
Aaron Levin
Head of Technology
Aaron leads product and engineering, building the platform brokers actually want to use.
Brendan Rutledge
Head of Operations
Brendan ensures every loan is funded, serviced, and delivered without friction.
FROM THE BLOG
MARKET & RISK
Jury awards exceeding $10 million are reshaping commercial liability pricing. Here's what brokers need to know — and how to explain it to clients.
BROKER GUIDES
Renewal season is your best opportunity to deepen client relationships. Premium financing gives you a tool that competitors without a finance partner simply can't offer.
PREMIUM FINANCE BASICS
A clear explanation of how premium financing works, who it's for, and why more commercial insurance brokers are making it a standard part of their service offering.
