Premium Finance for Independent Agencies
We built Patch to give independent agencies more flexibility, better economics, and a smoother client experience, with financing designed to support your relationships - not compete with them.
See if Patch is a FitWhy Patch Exists
Traditional premium finance is often structured around carrier relationships and standardized programs. Patch was built to realign financing around the agency and the client relationships they serve.
Compensation structured to support agency growth and long term relationships, not short term transaction volume.
Financing solutions for new ventures, audit balances, large premiums, and situations where standard programs fall short.
Modern underwriting designed for real world timelines, helping agencies respond quickly when clients need answers.
Not tied to a specific carrier, MGA, or distribution channel, allowing solutions to be structured around the agency and the insured.
Patch Premium Finance
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We can accommodate complex placements, new ventures, audit balances, and situations that fall outside standard premium finance programs.
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Compensation structured to support agency growth and long term relationships, not carrier volume requirements.
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Fast decisions and practical workflows designed to keep placements moving and reduce friction for your team and your clients.
Where Patch Fits
Patch is most valuable where flexibility, speed, or tailored terms matter.
ROUTINE SITUATIONS
Routine accounts with straightforward underwriting
Bank-backed lenders run automated credit checks with strict boxes. New ventures, audit accounts, and complex risks get declined — no exceptions, no escalation path.
Established clients with stable financial profiles
Every major PF company leads with 5–7% revenue participation. It sounds like a feature — it's actually the floor. Nobody offers more because they don't have to.
Policies that fit standard deposit and term structures
IPFS, Capital, and US Premium Finance are volume operations. Decisions route through centralized underwriting queues — days to fund, limited room for exceptions.
Situations where timelines are predictable
The differentiator most PF companies lead with? Quoting tools. Mobile apps. Easy 2 Quote. The economics haven't changed — they've just wrapped them in better UX.
Accounts already well served by current providers
These are national operations processing thousands of accounts. You get a support line, a portal, and a rep managing 300 other agencies. Relationships don't scale at that size.
Situations Requiring Greater Flexibility
Complex placements or evolving business situations
No automated declines. Every account gets a real review — new ventures, complex risks, audit situations included. We say yes where institutional lenders won't look twice.
New ventures, audit balances, or rapidly growing clients
We built Patch to beat the 5–7% standard — not match it. The revenue structure is designed in your favor before you write your first policy with us.
Large premiums creating cash flow pressure
Institutional-grade financing with founding-team speed. Real decisions without the centralized queue — same day, with the flexibility to make exceptions when they're warranted.
Situations requiring faster decisions or tailored terms
We didn't build a better app to compete. We built a better deal. Tools serve the relationship — not the other way around. The margin you keep is the differentiator.
Accounts that fall outside standard program structures
You get a dedicated rep who knows your book — and direct access to the people building the product. When something needs to happen, it happens. No ticket queue.
Partner Overview
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