AGENCY ACQUISITION AND PERPETUATION FINANCING

AGENCY FINANCING & CAPITAL SOLUTIONS

Securing financing for an insurance agency is very different from obtaining a home mortgage or traditional business loan. Many lenders do not fully understand the insurance industry and often undervalue an agency's most important asset—its future renewal commissions. As a result, agency owners can spend significant time and effort pursuing financing options that are not the right fit.

Patrick & Associates works with specialized lenders who understand the insurance business and recognize the value of recurring commission revenue. Whether you need financing for an acquisition, perpetuation plan, working capital, debt consolidation, or agency growth, we help identify the best financing solution for your specific situation.

Our process begins with a consultation to understand your goals, followed by a thorough review of your agency's financial information. We prepare a lender-ready prospectus, present financing options, assist throughout underwriting, and guide you through closing. 

Most clients receive preliminary financing feedback within days, with funding typically available in approximately 45 days.

Our support does not end at closing. We remain available throughout the life of the loan, helping you understand lender requirements, strengthen your agency's financial position, and maximize opportunities for future growth.

Let Patrick & Associates help you leverage the full value of your agency and secure the capital needed to achieve your business objectives.