How it works
Financing that works
as hard as you do
At U.S. Insurance Funding, we don't just finance premiums we finance possibility. Every policy you write represents a client who trusts you to protect what matters most. We make sure that trust never has to compete with a cash flow problem.
The process
Apply today. Get approved. Keep moving.
When your client needs to bind a policy, the last thing your agency needs is a financing bottleneck. No separate approval gauntlet. No unnecessary delay.
01
Submit the application
Submit your application through our online quotation system, and we'll take it from there.
02
We verify with you
We verify policy details directly with you, the agent, so your client never has to jump through hoops of their own.
03
Signed, funded, protected
Just a signed agreement, a funded contract, and a policy that's protected.
Rates
Straightforward, competitive rates
Standard downpayment
25%
Competitive, transparent, and never a surprise buried in fine print. You'll know exactly what your client is paying from day one, with no hidden fees and no fine-print escalations.
We also offer tiered rates based on the amount financed
| Amount financed | 9 payments |
|---|---|
| $500 – 2,000 | 13.00% |
| $2,001 – 3,000 | 12.00% |
| $3,001 – 5,000 | 11.00% |
| $5,001 – 10,000 | 10.00% |
| $10,000 + | Contact USIF for rate info |
We will be delighted to discuss quotes for the most competitive finance charge / rate. Rates and terms may vary based on premium size and line of business contact USIF for a customized quote.
Flexibility
Flexibility that fits your book of business
And we welcome the accounts other finance companies won't touch. No premium is too small to matter to us because it matters to you.
We finance it all
From basic liability to total enterprise protection.
- Commercial
- Homeowners
- Excess & Surplus Lines
Payment structures
Shaped around your client's real cash flow instead of a rigid template.
- Monthly
- Quarterly
- Annually
- Seasonally
We provide our services anywhere in the United States of America.
The promise
The USIF promise to agents
- Budget-friendly financing rates, with no hidden fees
- We'll meet or beat the most competitive finance charge you've been quoted
- Fast, friction-free processing contracts funded the moment they're signed
- Every line, every size Commercial, Homeowners, Excess & Surplus, no account too small
- Flexible payment schedules monthly, quarterly, annual, or seasonal
- EFT / ACH, Credit Card & E-Payment accepted with online notices, anytime
Ready to give your clients the flexibility they deserve and your agency the partner it's earned?
Get started with USIF today and see the difference a dedicated premium finance partner makes.