Biz Lending & Insurance Center

What Biz Lending & Insurance Center does

Biz Lending & Insurance Center, Inc. (BLIC) is a Boca Raton, Florida-based financial services intermediary that assists credit unions with originating commercial real estate (CRE) and member business loans (MBL), and distributes insurance products to credit union members and local employers. Founded in 2004 by Murray Halperin and privately held by Essential Meeting Services, Inc. (EMS, established 1985), BLIC operates through a three-tier credit union network model: Referral Credit Unions send loan opportunities, Lead Lender Credit Unions underwrite and fund loans, and Participation Credit Unions buy and sell loan participations — generating referral and transaction fees for BLIC without the company itself taking balance-sheet lending risk.

BLIC's core product is RM-Online, a web-based CRM and loan pipeline management platform that handles document collection, pre-screening, and underwriting coordination for credit union business relationship managers. Supporting modules include The BreakFast Club (recurring CRE professional networking events and email campaigns), cuBIZloan Broker Hub (a New Jersey/Pennsylvania-focused network connecting credit unions with commercial real estate brokers, launched in partnership with CrossState Credit Union Association in 2017), CU First Responders Finance (CUFR, a joint venture with the National Council of Firefighter Credit Unions offering specialized lending for apparatus, equipment, real estate, and PPE), and EqLease (equipment leasing). The company also operates a licensed insurance agency distributing health, life, dental, vision, accident, cancer, gap, and Medicare products through carrier partnerships (Mass Mutual, Gerber, Ambetter, Bright Health, Chesapeake/SureBridge, Covenant HealthShare), supported by a "Boots on the Ground" field agent program and employer group benefits distribution.

The business model is fee- and commission-based: BLIC earns transaction fees on facilitated loans, referral fees on routed opportunities, and insurance commissions on policies sold, with no SaaS subscription pricing disclosed publicly. Distribution is achieved almost entirely through association partnerships (CrossState, NCOFCU, MID) rather than direct enterprise sales, and the company employs 1–10 people with six named key personnel. Pricing is freemium at the top of funnel (free virtual presentations with the President, free Broker Hub membership) with fees accruing only on closed transactions.

Name

Biz Lending & Insurance Center

Legal name

Biz Lending & Insurance Center, Inc.

Website

https://theblic.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Biz Lending & Insurance Center (BLIC) is a Florida-based financial intermediary that helps credit unions originate commercial real estate and member business loans, and distributes insurance products to credit union members and local employers through association partnerships and proprietary CRM tooling.

Ownership category

akta.pro rank

Product category

Commercial Lending Services for Credit Unions

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310), Sales Financing (522220)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industry

B2B Channel Partners & Referral Agencies (Cross-Industry Referral) (FSAEAMAN)

Keywords

• Commercial lending services
• Credit union consulting
• Insurance brokerage services
• Member business loans
• Equipment lease financing

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Referral Credit Union Program: Credit unions refer commercial business loans to Lead Lender Credit Unions in the network. RCUs generate non-interest income based on the amount funded with no portfolio risk. BLIC earns referral fees from facilitated loan transactions.
2. Loan Processing & Servicing Fees: BLIC earns fees for document collection, loan pre-screening, underwriting support, and loan preparation services. Lead Lenders earn origination and servicing fees through the LCU program.
3. Insurance Commissions: BLIC earns commissions from insurance product sales including Health, Life, Property & Casualty, Dental, Vision, and Medicare products through partnerships with major carriers including Mass Mutual, Gerber, Ambetter, Bright Health, Chesapeake Life Insurance Company, and SureBridge.
4. Group Insurance Brokerage: Employer benefits group insurance including Health, Dental, Vision, Group Life, Accident, Cancer, and Gap Insurance. BLIC acts as broker intermediary between employers and insurance carriers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Biz Lending & Insurance Center (BLIC) provides outsourced member business loan and commercial real estate loan origination services for credit unions through its RM-Online platform, which handles document collection, pre-screening, and underwriting coordination. The company also operates a multi-carrier insurance agency (Health, Life, Dental, Vision, Medicare, Property & Casualty), a commercial real estate broker network (cuBIZloan Broker Hub), a specialized first responder lending program (CUFR), an equipment leasing subsidiary (EqLease), and consulting services delivered by the founder-president.

Product overview

Biz Lending & Insurance Center (BLIC) operates as a multi-service financial products platform organized around two core divisions: Member Business Loan Services and Insurance Products. The primary lending platform is RM-Online, a customer management software that supports credit unions in processing commercial real estate and business loans through document collection, pre-screening, and underwriting coordination. Supporting the core platform are marketing and networking modules including The BreakFast Club (commercial real estate industry outreach), cuBIZloan Broker Hub (credit union network for commercial lending), and CU First Responders Finance (specialized lending for firefighter credit unions). The insurance division offers group and individual products including health, life, dental, vision, and specialty coverage through carrier partnerships, supported by Boots on the Ground field sales agents. The company also provides consulting services and operates an equipment leasing subsidiary, EqLease.

Differentiator

Problem solved

Functional benefit

Brands

• RM-Online: Customer management software that allows credit unions to empower business Relationship Managers to attract and close business and commercial real estate loans.
• The BreakFast Club
• cuBIZloan Broker Hub
• CU First Responders Finance (CUFR)

Products and services

• RM-Online Customer relationship management software that empowers credit union business relationship managers to attract and close business and commercial real estate loans through document collection, preparation, loan pre-screening, and underwriting support.
• The BreakFast Club Commercial real estate marketing and networking program that builds credit union brand awareness with CRE brokers, associations, and property professionals through monthly HTML email marketing, daily listing monitoring, follow-up campaigns, and 90-minute breakfast networking forums held every six months.
• Insurance Services Full-service insurance agency offering health, life, dental, vision, critical illness, accident, cancer, and short-term bridge plans through multiple A-rated carriers, including Mass Mutual, Gerber, Ambetter, Bright Health, Chesapeake Life/SureBridge, and Covenant HealthShare. Serves business owners, not-for-profit community members, and individuals and routes leads back to credit union relationship managers under an exclusive one-credit-union-per-community arrangement.
• Employer Benefits Group Insurance Group insurance products for employers including health, dental, vision, group life, accident coverage, cancer coverage, gap insurance, and international travel health coverage. Distributed via census form downloads, secure Dropbox uploads, and scheduled carrier review appointments with quotes delivered by phone.
• cuBIZloan Broker Hub Network platform connecting NJ and PA credit unions with commercial real estate brokers for loan opportunities, supporting Referral, Lead Lender, and Participation Credit Union program tiers with no early termination fees and competitive rates. Free to join for both credit unions and brokers.
• CU First Responders Finance (CUFR) Specialized lending program for first responder credit unions offering apparatus (fire trucks, ambulances), equipment, real estate, personal protective equipment, and communications equipment loans via Referral, Lead Lender, and Participation Credit Union options.
• Consulting Advisory and consulting services delivered by President and Founder Murray Halperin, leveraging 35 years of industry experience to help credit unions develop commercial real estate and member business loan programs and relationships nationwide.
• EqLease Equipment leasing division offering lease financing programs for small to mid-sized businesses and commercial real estate borrowers, including specialized hospital and medical imaging equipment loan/lease programs developed with Medical Imaging Dynamics (MID).

Quantifiable outcome

• BLIC pre-screening process saves credit union relationship managers hundreds of hours and saves thousands of dollars per loan compared to internal processing
• +1 more outcomes

Named customers4 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

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• CrossState Credit Union AssociationcoreStrategic or Co-development Partner · 1 January 2017BLIC partnered with CrossState Credit Union Association in 2017 to bring member business lending credit union programs. CrossState serves 519 credit unions with $63 billion in total assets and 5 million members across NJ & PA. This partnership enabled the launch of cuBIZloan.com Broker Hub connecting credit unions with commercial real estate loan opportunities.
• National Council of Firefighter Credit Unions, Inc. (NCOFCU)coreStrategic or Co-development PartnerNCOFCU partnered with BLIC to create Credit Union First Responders Finance (CUFR), LLC. CUFR offers specialized lending programs for first responder credit unions including apparatus (fire trucks, ambulances), equipment, real estate, personal protective equipment, and communications equipment loans. BLIC provides MBL support services while NCOFCU provides access to firefighter credit union network.
• Mass MutualminorOthersInsurance carrier partner offering Term Life Insurance and Guaranteed Life insurance products through BLIC. Mass Mutual provides instant quote capabilities for term life and whole life policies.
• Gerber Life InsuranceminorOthersInsurance carrier partner offering Children's Whole Life insurance coverage up to $50,000 with child-size premium rates through BLIC's insurance services.
• Ambetter - Sunshine HealthminorOthersACA Marketplace health insurance carrier available through BLIC's insurance product offerings. Provides Affordable Care Act marketplace plans for individuals and families.
• Bright HealthminorOthersACA Marketplace health insurance carrier partner offering Affordable Care Act marketplace health plans through BLIC's insurance services.
• The Chesapeake Life Insurance CompanyminorOthersInsurance carrier partner providing Dental, Vision, and Hearing (DVH) insurance products through BLIC. Offers SureBridge DVH plans with coverage at thousands of providers nationwide.
• Covenant HealthShareminorOthersHealth Care Sharing Ministry partner offering faith-centered medical cost sharing programs. BLIC offers Covenant HealthShare as an off-marketplace alternative to traditional insurance for Christian individuals and families.
• Medical Imaging Dynamics (MID)minorStrategic or Co-development PartnerBLIC has a relationship with MID for medical imaging equipment loan/lease programs. MID is a nationwide consultant to the largest hospital buying services in the country. BLIC and MID craft equipment loan/lease programs for hospitals, imaging centers, doctors' offices, and other medical facilities.

Scale indicators6 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• Insuritas: Embedded insurance agency platform built specifically for credit unions and community banks. Insuritas is highly comparable to BLIC's insurance brokerage arm, including the exclusive one-credit-union-per-community arrangement BLIC uses to generate local insurance lockups.
• CO-OP Financial Services (Co-op Solutions): CUSO-owned shared services organization providing lending, payments, and digital services to credit unions. Highly comparable as a partnership-based service provider to CUs, though far larger in scale and breadth than BLIC.
• Lendio: Online small-business lending marketplace connecting SMB borrowers with a network of lenders. Directly comparable to BLIC's cuBIZloan Broker Hub model of aggregating broker/lender demand across a multi-sided referral network.
• Biz2Credit: Small-business lending marketplace connecting business owners with a network of lenders. Comparable to BLIC's SME lending facilitation model and three-tier referral/lead/participation model, primarily serving the same SMB underwriting gap.

Broad incumbents

• TruStage (CUNA Mutual Group): Insurance, lending, and investment provider serving thousands of credit unions across the US. Comparable as a credit-union-channel insurance and financial products distributor, but with a much broader product portfolio and institutional scale.
• Jack Henry & Associates: Large technology provider serving community banks and credit unions, including loan origination, account processing, and digital banking tools. Comparable to BLIC's RM-Online as a commercial lending technology platform, but at much broader scale.
• Alkami Technology: Cloud-based digital banking platform serving credit unions and community banks. Comparable in serving the credit-union technology stack, though focused on retail/member-facing digital banking rather than member business lending automation.

Emerging players

• Origence (CU Members Mortgage, indirect): CUSO providing indirect lending technology to credit unions. Comparable as a credit-union-focused lending technology provider, though primarily focused on indirect auto lending rather than commercial real estate / member business lending.
• MeridianLink: Loan origination software provider for banks, credit unions, and mortgage lenders. Comparable to RM-Online in automating commercial and consumer loan pipelines, though at significantly greater scale with deeper compliance integrations.
• Currency: Fintech providing embedded lending and account services to credit unions. Directly comparable to BLIC's RM-Online and cuBIZloan as a credit-union lending technology platform, though with broader product offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/bizlendingctr

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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 Biz Lending & Insurance Center