Input 1
Input 1 provides cloud-based digital billing, payment processing, and premium finance software to North American P&C insurance carriers, MGAs, agencies, and financial institutions, processing $16B in annual premiums for 400+ customers.
- Company typePrivate
- Founded1984
- HeadquartersWestlake Village, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Input 1 does
Input 1 is a privately-held SaaS company founded in 1984 and headquartered in Westlake Village, California, that provides digital billing, payment processing, and premium finance solutions to the North American property and casualty insurance industry. The company's core technology is the Premium Billing System (PBS), a cloud-based platform launched in 2007 that automates premium billing, payment collection, and account servicing for insurance carriers, Managing General Agents (MGAs), agencies, financial institutions, and wholesale brokers. The platform scales from 2,000 to 500,000+ accounts and supports credit cards, ACH, e-checks, Apple Pay, Google Pay, and PayPal under PCI-DSS Level 1 compliance with SOC1 and SOC2 audits. Input 1 also offers Digital Payments (a no-cost payment processing module for AMS-integrated agencies), Premium Finance as a Service (PFaaS, a turnkey captive premium finance offering with regulatory licensing support), Digital Billing (a tech-enabled managed service), and Traditional Premium Finance through its wholly-owned subsidiary gotoPremiumFinance.com. The platform processes $16 billion in annual insurance premiums and serves over 2 million unique users across 400+ customers, with Input 1's billing infrastructure fully embedded within major policy administration systems including Insuresoft Diamond System and INTX Insurance Software.
Input 1 generates revenue through three streams: subscription-based SaaS platform fees (PBS, PFaaS, and Digital Payments), transaction processing fees on payment volume, and managed services revenue from Billing as a Service deployments. The go-to-market combines direct enterprise sales through regional account executives covering Northern California, Northern Florida, the Mid-West, and the West with channel partnerships through policy administration platforms and agency management systems (HawkSoft, NowCerts). Customer segments include insurance carriers, MGAs, retail agencies, financial institutions (banks entering premium finance), and wholesale brokers, with notable customers including Tokio Marine HCC, BTIS, Appalachian Underwriters, VGM Insurance Services, Westfield Bank, and Peoples Premium Finance.
The company operates as Input 1 LLC, governed under Washington state law with headquarters in California, and employs between 101 and 250 people following 70% headcount growth since 2022. The firm earned a spot on the 2025 Inc. 5000 list with 115% three-year revenue growth (2021-2024), and three of its executives were named to Insurance Business America's 2026 Hot 100.
Input 1 firmographics
Firmographics- Name
- Input 1
- Legal name
- Input 1 LLC
- Website
- https://input1.com
- Company type
- Private
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Input 1 provides cloud-based digital billing, payment processing, and premium finance software to North American P&C insurance carriers, MGAs, agencies, and financial institutions, processing $16B in annual premiums for 400+ customers.
- Ownership category
- akta.pro rank
Input 1 industry classification
Industry- Product category
- Insurance Billing and Premium Finance Software
- NAICS
- Sales Financing (52222), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Billing, Payments & Premium Finance Platforms (FSAGAGAI)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Biller Direct EBPP Platforms (FSAMAJAA), Third-Party POS Installment Financing Platforms (FSAKAFAB)
Keywords
Where Input 1 is headquartered
LocationHeadquarters
- HQ city
- Westlake Village
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Input 1 business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Platform Fees: Subscription-based SaaS platform fees for Premium Billing System (PBS), Premium Finance as a Service, and digital payment solutions. Volume-based scaling with account capacity ranging from 2,000 to 500,000+ accounts.
- Transaction Processing: Digital payment processing fees. Zero cost if $1,000 minimum monthly transactions is met; otherwise $20 monthly fee. No setup fees.
- Billing as a Service (BaaS): Tech-enabled outsourcing service deploying both technology and servicing teams to handle entire billing operations for carriers and MGAs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Digital Payments - No cost threshold |
| Subscription | Multi-year contract | Rapid Deployment Implementation |
| Subscription | Annual | Premium Billing System (PBS) - Account Volume Tiers |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Input 1 product offering
Product offeringCore offering
Input 1 provides a cloud-based SaaS platform and managed services for digital billing, payment processing, and premium finance to the North American P&C insurance industry. Its core products include the Premium Billing System (PBS) for premium finance billing operations, Input 1 Payments for digital payment processing, Premium Finance as a Service (PFaaS) for turnkey captive premium finance operations, and Traditional Premium Finance through its gotoPremiumFinance.com sub-brand. The platform serves insurance carriers, MGAs, agencies, and financial institutions with deep integration into policy administration systems.
Product overview
Input 1 offers a modular platform-plus-services architecture centered on digital billing, digital payments, and premium finance for the insurance industry. The core platform is the Premium Billing System (PBS), a cloud-based SaaS launched in 2007 that handles premium finance billing, payment processing, and account management. PBS is complemented by Input 1 Payments (2019), a digital payment module supporting credit cards, ACH, e-checks, Apple Pay, Google Pay, and PayPal with PCI-DSS Level 1 compliance; Digital Billing (a full-service BPO offering); Premium Finance as a Service (PFaaS) for organizations wanting to own a branded premium finance operation; and Traditional Premium Finance available through the gotoPremiumFinance.com sub-brand. The platform also includes Payments-as-a-Service for broker networks, Direct Bill programs, and legacy quoting tools (Quotemaster, Quotes-in-View). Together these products cover the full inbound premium payment lifecycle: quoting, billing, installment collection, premium financing, and digital payment processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Digital Billing A tech-enabled service platform that deploys both technology and a servicing team to handle the entire billing operation for insurance carriers and MGAs, automating routine tasks, reducing operational costs, and minimizing errors.
- Digital Payments (Input 1 Payments) A digital payment processing system that integrates with popular AMS platforms, supporting credit cards, ACH, e-checks, Apple Pay, Google Pay, and PayPal with PCI-DSS Level 1 compliance. Provides insurance companies, MGAs, and agencies a secure, efficient way to handle insurance payments.
- Premium Finance Software (Premium Billing System / PBS) The Premium Billing System (PBS) is a cloud-based platform that automates tasks, integrates billing, reduces administrative workload, minimizes errors, and lowers costs for insurers, financial institutions, MGAs, and agencies. Scalable from 2,000 to 500,000+ accounts.
- Premium Finance as a Service (PFaaS) A turnkey, client-branded premium finance solution that provides technology and back-office services for insurance companies, financial institutions, MGAs, and brokers to own and operate a premium finance business with rapid deployment and modern cloud-based infrastructure.
- Traditional Premium Finance (gotoPremiumFinance.com) Retail premium finance solution available through gotoPremiumFinance.com, helping independent agencies offer clients installment payment options, improving cash flow and reducing financial burden on clients.
Quantifiable outcome
- 115% revenue growth in three years (2021-2024)
- +4 more outcomes
Companies that use Input 1
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
Input 1 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature5 records
Input 1 partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and channel.
- VGM Insurance ServicescoreLong-standing client relationship where Input 1's billing infrastructure was embedded within Insuresoft's Diamond System during VGM's policy administration modernization, maintaining zero disruption to policyholders and preserving revenue operations across quoting, bind, and purchase processes.
- InsuresoftcoreInput 1's billing capabilities were fully embedded within the Diamond System platform environment, enabling seamless integration for VGM Insurance Services during policy administration modernization without operational disruption.
- Capital Auto Protection ServicescoreFort Worth, Texas-based vehicle service contract warranty provider selected Input 1's SaaS Premium Billing System to support launch of new warranty financing company, handling billing workflows and program administration for vehicle service contracts.
- Freedom Premium FinancecoreNewly formed premium finance company based in Ardmore, Oklahoma selected Input 1's platform and regulatory licensing support to launch commercial insurance premium financing operations in Oklahoma, Texas, Kansas, and Missouri.
- Ironwood Brokers & Insurance MarketingcoreWholesale broker selected Input 1's Payments-as-a-Service to enable agents to submit insurance premium payments via QR codes and secure payment links embedded within invoices, meeting PCI and DSS compliance standards.
- Arlington/RoecoreSelected Input 1 to support launch of A/R Premium Finance, providing premium finance infrastructure and operational support.
- Cypress Premium FundingcoreSouthern California-based premium finance company expanded partnership to integrate Input 1 Payments within existing SaaS environment, enabling one-time and recurring credit card payments with Apple Pay, Google Pay, and PayPal options.
- INTX Insurance SoftwarecorePartnership to deliver integrated billing, payments, and premium finance platform for insurance carriers and Managing General Agents. Collaboration embeds Input 1's technology directly into INTX's policy administration platform.
- AxisPeak CapitalcoreBender Equity portfolio company selected Input 1 to power launch of next-generation premium finance platform with PFaaS, digital payments, and operational support.
- PayPalcorePartnership to offer PayPal as secure, flexible digital wallet payment option for insurance premiums, expanding payment method options for policyholders.
- GravityCertschannelPartnership to enhance payment integration for insurance sector, improving security and efficiency for certificate-related transactions.
- EasySendchannelGlobal partnership combining Input 1's digital payment solutions with EasySend's no-code customer journey platform for added efficiency.
- HawkSoftchannelStrategic partnership enabling premium collection functionality for HawkSoft agencies through integrated Input 1 billing and payments.
- NowCertschannelInsurance agency management system partnered with Input 1 to offer integrated payments solution for insurance brokers and agents.
- American Agents AlliancechannelEndorsed Input 1 Payments as preferred digital payment platform for its members, providing comprehensive digital payment solutions to member agencies.
Scale indicators8 records
Recent moves13 records
Expansion highlights6 records
Input 1 competitors and assessment
Company assessmentDirect peers
- One Inc: One Inc is a digital payments platform built specifically for the insurance industry, supporting premium payments, claims disbursements, and billing across P&C and life carriers. It directly competes with Input 1's Input 1 Payments and Digital Billing offerings for the same insurance carrier/MGA buyer.
- Patra Corporation: Patra provides insurance operations services and technology, including policy administration, billing, and back-office support for agencies, MGAs, and carriers. It overlaps with Input 1's Digital Billing and Billing-as-a-Service capabilities, with several former Input 1 executives having previously worked at Patra.
Emerging players
- EasySend: EasySend is a no-code customer journey platform that has a strategic partnership with Input 1 for digital payment workflows in insurance. While not a head-to-head billing competitor, EasySend's digital document/forms capabilities are increasingly used in insurance billing and onboarding flows that overlap with Input 1's PBS.
- Insuresoft: Insuresoft's Diamond System is a policy administration platform in which Input 1's billing is deeply embedded. Insuresoft competes indirectly in the broader insurance core systems market while also serving as a key distribution partner for Input 1.
Broad incumbents
- FIS Insurance Group: FIS is a large financial technology vendor with insurance-specific billing, payments, and premium finance offerings for carriers and financial institutions. It competes for the same enterprise insurance IT budget as Input 1, often bundling billing into broader core system deals.
- Applied Systems: Applied Systems is a leading insurance agency management system vendor serving independent agencies and brokers. Its broader suite overlaps with Input 1's payments and AMS integrations (HawkSoft, NowCerts) at the agency level, though Applied's core focus is broader agency operations.
- Vertafore: Vertafore is a major insurance technology provider serving carriers, MGAs, and agencies with core systems, rating, and workflow tools. While it does not specialize in premium finance billing like Input 1, its broader product portfolio overlaps at the carrier and MGA buyer level.
- Sapiens International: Sapiens provides core insurance software for property/casualty and life insurers, including billing and policy administration modules. It competes for the same enterprise P&C modernization budget, though with a broader core systems approach versus Input 1's focused billing/payments/premium finance specialty.
- Duck Creek Technologies: Duck Creek is a major insurance core systems vendor offering policy, billing, and claims platforms for P&C carriers. It directly overlaps with Input 1's billing scope at the carrier level but addresses a broader transformation footprint.
Others
- PayPal (Braintree): PayPal is both a payment method integrated into Input 1 Payments and an adjacent infrastructure player in the broader digital payments ecosystem. As a partner rather than a competitor, it is included as a relevant ecosystem reference for Input 1's payment rails.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Input 1 social profiles
Digital presenceInput 1 compliance and trust
Trust signalCompliance5 records
Input 1 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Input 1 leadership team
Management profileNumber of profiles
Profiles13 records
Input 1 subsidiaries and ownership
Company hierarchySubsidiaries1 record
Input 1 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Input 1 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Input 1
What does Input 1 do?
Input 1 provides a cloud-based SaaS platform and managed services for digital billing, payment processing, and premium finance to the North American P&C insurance industry. Its core products include the Premium Billing System (PBS) for premium finance billing operations, Input 1 Payments for digital payment processing, Premium Finance as a Service (PFaaS) for turnkey captive premium finance operations, and Traditional Premium Finance through its gotoPremiumFinance.com sub-brand. The platform serves insurance carriers, MGAs, agencies, and financial institutions with deep integration into policy administration systems.
Is Input 1 a public or private company?
Input 1 is a private company. It is classified as family owned and is currently operating.
When was Input 1 founded?
Input 1 was founded in 1984. It employs 101 to 250 people.
Where is Input 1 based?
Input 1 is headquartered in Westlake Village, United States, in the North America region.
How does Input 1 make money?
Three revenue lines are on record. SaaS Platform Fees are the primary driver. The others are transaction Processing and billing as a Service (BaaS).
Who are Input 1's main competitors?
Direct peers on record are One Inc and Patra Corporation. Emerging players are EasySend and Insuresoft. Broad incumbents are FIS Insurance Group, Applied Systems, Vertafore, Sapiens International and Duck Creek Technologies. PayPal (Braintree) is listed as an others.
Does Input 1 have an API?
Yes. Input 1's platform integrates with existing systems through standard APIs. The digital payment solution integrates seamlessly with popular AMS platforms, supporting credit cards, ACH, and e-checks. API integration enables seamless implementation with minimal disruption. No public developer portal or endpoint documentation URL is provided in available sources.
What industry is Input 1 in?
Input 1's product category is Insurance Billing and Premium Finance Software. Its primary akta.pro industry code is FSAGAGAI, Billing, Payments & Premium Finance Platforms, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 52222 and its SIC code is 7372.