What Capital Premium Financing does

Capital Premium Financing is a privately held commercial insurance premium finance company founded in 1988 and headquartered in Draper, Utah. The company finances insurance premiums on behalf of commercial policyholders — paying the insurance carrier upfront and collecting structured monthly installments from the insured — enabling businesses to preserve working capital for operations, payroll, and growth instead of paying large lump-sum premiums. Its customer base consists primarily of insurance agents, agencies, and brokerages (the channel) and the commercial insureds they serve (the end borrowers), with vertical exposure spanning trucking/transportation, real estate, construction, hospitality, energy, healthcare, and small business.

The core technology is a web-based premium financing platform composed of two main tools: Easy2Quote, which generates financing proposals with e-signature, online payments, and automated commission/loan processing, and FinancePro, a full account visibility portal for tracking payments, documents, and balances. The platform integrates directly into the dominant US agency management systems (AMS360, Applied Epic, Nowcerts) and is complemented by an iOS/Android mobile app. Supporting products include Capital Touch™ (policy cancellation prevention), Capital Life™ (life insurance premium financing), and the Agency Advantage Plan with three profit-sharing tiers (Contract Funding™, AFP Flex-Plan™, AFP Max-Plan™) that pay agents a share of financing revenue.

Capital Premium generates revenue primarily through finance charges and interest on financed premiums (transaction-based) and, secondarily, through profit-sharing arrangements with agency partners. It distributes exclusively through insurance agents and brokers as channel partners rather than selling direct, supported by 19 regional offices across the US and partnerships with industry associations including SIAA, PIA Tennessee, Missouri Association of Insurance Agents, and PIA Western Alliance. In March 2022, the company accepted a minority equity investment from Copley Equity Partners, advised by Colonnade.

Name

Capital Premium Financing

Legal name

Capital Premium Financing LLC

Website

https://capitalpremium.net

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

Capital Premium Financing is a privately held, 35-year-old commercial insurance premium finance company that lends to businesses through a network of insurance agents across 19 US offices, enabling policyholders to pay commercial premiums in monthly installments rather than lump sums.

Ownership category

akta.pro rank

Headquarters

HQ city

Draper

HQ country

United States

HQ region

North America

Offices18 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Premium Financing Fees: Capital Premium Financing earns revenue by providing financing for commercial insurance premiums. The company pays the insurance carrier upfront and the policyholder repays through structured installments. Revenue is generated through finance charges and interest on the financed premium amounts.
2. Agency Profit-Sharing Commissions: Agencies enrolled in the Agency Advantage Plan earn a percentage of the financing generated through their agreements. Capital Premium Financing shares revenue with agents through profit-sharing arrangements.
3. Capital Life™ Insurance Financing: Separate revenue stream from financing life insurance premiums, providing tax-advantaged financing solutions for estate planning, family protection, and business succession purposes.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Capital Premium Financing provides commercial insurance premium financing that allows businesses to pay insurance premiums in monthly installments rather than lump sums. The company pays the insurance carrier upfront on behalf of the policyholder, then collects the financed amount plus finance charges over time. Distribution occurs exclusively through a network of independent insurance agents, agencies, and brokers who use Capital Premium's Easy2Quote and FinancePro digital platforms to originate and manage financing agreements.

Product overview

Capital Premium Financing is a premium financing platform that enables insurance agents and agencies to offer their clients flexible payment options for commercial insurance premiums. The core platform is supported by two main digital tools: Easy2Quote (for generating financing quotes and processing agreements) and FinancePro (for account management and tracking). Additional offerings include Capital Life™ for life insurance financing, and three profit-sharing programs (Contract Funding™, AFP Flex-Plan™, AFP Max-Plan™) that allow agents to earn additional revenue. The company also offers a mobile app for iOS and Android.

Differentiator

Problem solved

Functional benefit

Brands

• Capital Life™: A flexible planning strategy for funding life insurance needs, offering efficient underwriting, industry leading loan terms, and one-time underwriting.

Products and services

• Commercial Insurance Premium Financing Financing service that pays commercial insurance carriers upfront on behalf of business policyholders and collects the premium plus finance charges through structured monthly installments; distributed exclusively through independent insurance agents, agencies, and brokers; covers commercial property, general liability, commercial auto, workers compensation, umbrella, excess liability, and specialty lines.
• Capital Life™ Life Insurance Premium Financing Flexible planning strategy that finances life insurance premiums to preserve existing earning assets and enable wealth transfer to beneficiaries potentially free of federal estate tax; designed for high-net-worth individuals, families, and business owners for estate planning, family protection, and business succession purposes; features efficient underwriting and industry-leading loan terms.

Quantifiable outcome

• Agents can potentially earn 30-40% more revenue through Agency Advantage profit-sharing programs
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core.

• SIAA (Strategic Insurance Agency Alliance)coreChannel Partner/ Reseller/ DistributorCapital Premium Financing is a platinum partner with SIAA National Agency Alliance, providing financing solutions to member agencies across the network.
• Professional Insurance Agents of TennesseecoreChannel Partner/ Reseller/ DistributorStrategic partnership providing financing programs to Professional Insurance Agents member agencies in Tennessee.
• Missouri Association of Insurance AgentscoreChannel Partner/ Reseller/ DistributorStrategic partnership providing financing solutions to member insurance agents in Missouri.
• Professional Insurance Agents Western AlliancecoreChannel Partner/ Reseller/ DistributorPartnership with PIA Western Alliance serving member agencies in western states.
• AMS360coreTechnology or IntegrationIntegration with Visiant Insurance Agency Management System (AMS360) for seamless quoting, financing, and policy management workflows.
• Applied Systems (Applied Epic)coreTechnology or IntegrationIntegration with Applied agency management platform for streamlined premium financing and account management within existing agency systems.
• NowcertscoreTechnology or IntegrationIntegration with Nowcerts agency management platform enabling policy, payment, and client communication in one place.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• AFCO Premium Credit: AFCO Premium Credit is one of the largest U.S. premium finance companies, providing financing for commercial insurance premiums through insurance agents and brokers. Directly comparable to Capital Premium Financing in core product, distribution model, and target customer base.
• IPFS Corporation: IPFS Corporation is a major U.S. premium finance company serving independent insurance agents with installment premium financing for commercial and personal lines. Directly comparable to Capital Premium Financing in agent-channel distribution and specialty commercial premium lending.
• FIRST Insurance Funding: FIRST Insurance Funding, a CIBC subsidiary, provides commercial and personal lines premium financing through insurance agents and brokers in the U.S. Directly comparable to Capital Premium Financing in product, agent-channel model, and technology-enabled origination.
• Premium Credit Limited: Premium Credit is a UK-based premium finance company serving insurance brokers with installment financing for commercial and personal policies, with growing U.S. presence. Directly comparable in core premium-finance product, though it primarily operates outside Capital Premium Financing's U.S. footprint.
• BankDirect Capital Finance: BankDirect Capital Finance provides premium financing for commercial and personal insurance through agent and broker channels. Comparable to Capital Premium Financing in product, channel model, and target customer segments.
• Bankers Insurance Group: Bankers Insurance Group offers premium financing for commercial and personal lines through insurance agents. Comparable to Capital Premium Financing in product offering and agent distribution, with overlap in commercial customer segments.

Emerging players

• ePremium Finance: ePremium Finance is a smaller, digitally-focused premium finance company offering commercial and personal premium financing through agent partnerships. Comparable in core product but smaller in scale than Capital Premium Financing, with overlap in agent-channel go-to-market.

Broad incumbents

• J.P. Morgan Commercial Term Lending (Premium Finance): Large diversified banks including JPMorgan provide premium financing capabilities as part of broader commercial lending portfolios. A broad incumbent competing in the same space but without Capital Premium Financing's pure-play specialization and agent-channel focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Xx.com/capitalpremium
• YouTubeyoutube.com/channel/UCoXGevY1uXU0lr2cfgNEN8A
• Facebookfacebook.com/capitalpremium
• LinkedInlinkedin.com/company/capital-premium-financing
• Instagraminstagram.com/capitalpremium

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Premium Financing