Industry expertise
Financing Built for Insurance Agency Growth
Get working capital to acquire a book of business, cover the lag between binding policies and receiving commissions, or hire your next licensed producer.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how insurance agencies actually run
Insurance agencies run on commission income earned the moment a policy binds but often not paid out for weeks or months, depending on the carrier's cycle. That timing gap gets harder to manage as you grow, especially when you're bringing on new producers or investing in marketing before the commissions from that growth start flowing in. On top of that, buying another agency's book of business, one of the most common ways agencies expand, requires a lump sum most agencies don't keep in reserve, and E&O premiums and licensing renewals add fixed costs of their own.
TrustFi works with insurance agencies that understand their own numbers better than a generic bank underwriter typically does. We look at your agency's overall production and history, not just this month's bank balance, when you apply. Whether you're financing a book-of-business acquisition, bridging the gap until commissions arrive, or covering E&O and licensing costs, applying takes under 10 minutes and does not affect your credit score. Approved agencies can see funding in as little as 24 hours, so an acquisition opportunity or a cash flow gap doesn't have to wait on a slow-moving bank.
What we hear
The cash-flow pressures you know too well
Commission payments lag behind production
A policy can bind today, but depending on the carrier, the commission might not land in your account for weeks or even a full billing cycle, making it hard to plan cash flow around growth you've already earned but haven't been paid for yet.
Book-of-business acquisitions need capital upfront
Buying another agency's book is one of the fastest ways to grow revenue and client count, but it requires a lump sum at closing, often before the acquired accounts have generated a single commission payment back to you.
E&O and licensing are fixed costs
Errors and omissions premiums, state insurance license renewals, and continuing education requirements come due on their own schedule regardless of how production is trending, adding recurring overhead that has to be covered even during a slower stretch.
Producer recruiting costs money upfront
Hiring and onboarding a new licensed producer means paying salary or draw, licensing costs, and training time well before that producer is writing enough business to cover their own cost, which strains cash flow during a growth push.
Where the money goes
What insurance agencies use funding for
- Acquire another agency's book of business
- Cover E&O insurance premiums and license renewals
- Hire and onboard newly licensed producers
- Invest in agency management system software
- Fund lead-generation and marketing campaigns for growth
- Bridge cash flow between binding policies and commission payouts
Our recommendation
Funding options that fit insurance agencies
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Business Line of Credit
Draw funds to cover the gap between binding a policy and getting paid commission on it, then repay as commissions come in, keeping a reusable cushion instead of a fixed loan you don't always need.
How it works - Option 2
Business Term Loans
A lump sum with a fixed term fits a book-of-business acquisition well, since you know the purchase price upfront and can structure payments around the revenue the acquired book is expected to generate.
How it works - Option 3
SBA Loans
SBA-guaranteed loans offer lower rates and longer terms, which can make sense for a larger agency acquisition or expansion, though they take longer to underwrite and are harder to qualify for than other options.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can I get financing to buy another agency's book of business?
Yes. Acquiring a book of business is one of the most common reasons agencies apply for funding. A term loan can cover the purchase price as a lump sum, while an SBA loan may offer lower rates and longer terms for a larger deal. Applying takes under 10 minutes.
How does financing help with the lag between binding and commission?
A business line of credit lets you draw funds to cover payroll or overhead while you wait on a carrier's commission payment, then repay once that commission lands. You only pay interest on what you draw, which fits the uneven timing of commission-based revenue better than a fixed loan.
Does applying for agency financing affect my credit score?
No. Applying does not impact your credit score, and the application takes under 10 minutes. You can review your options for a book acquisition, a hiring push, or a cash flow gap without any risk to your personal or business credit before deciding whether to move forward.
What can insurance agency financing be used for?
Agencies commonly use funding to acquire another agency's book of business, hire and onboard new licensed producers, cover E&O insurance and licensing renewals, invest in agency management software, run marketing and lead-generation campaigns, or bridge cash flow while waiting on commission payments from carriers.
How fast can an agency get approved and funded?
TrustFi offers a 2-hour response guarantee after you apply, and approved agencies can see funding in as little as 24 hours. That speed can matter when a book-of-business acquisition has a closing deadline or when a licensing renewal or E&O premium is due sooner than your cash flow allows.
Is TrustFi the direct lender on SBA loan products?
TrustFi helps connect eligible agencies with SBA-guaranteed financing options, which carry government backing that typically means lower rates and longer terms than other products. SBA loans involve more documentation and a longer approval process, so they tend to fit larger, planned expenses like an agency acquisition rather than urgent cash flow needs.
Professional Services
Funding for insurance agencies, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees