Premium financing that helps your agency write more and keep more.
Lower down payments, more monthly installments and rates below the industry average — brokered by a team that gets it done fast.
Insurance is expensive. Paying for it shouldn't be hard.
Premium financing spreads the cost of a policy over monthly installments. HPAC negotiates the terms, handles the paperwork and services the loan — so your agency can focus on writing business.
Reliable
You can count on us. We take pride in getting things done faster, more accurately, and without the hassle or roadblocks.
Flexible Terms
Lower down payments and more monthly installments mean more insureds can say yes to the coverage they need — and stay with your agency at renewal.
Better Rates
As a broker, our total financing volume lets us negotiate interest rates below the industry average for the agencies we work with.
From quote to funded in four steps.
Quote
Enter the policy details — or email them to HPAC.AI — and get a finance quote with the down payment and monthly schedule.
Agreement & e-sign
The insured receives a secure link to review and sign the premium finance agreement online.
Down payment & funding
The down payment is collected through HPay and the premium is funded to the carrier or general agent.
Installments & servicing
Monthly installments are scheduled, with autopay available, and HPAC services the loan through its term.
Mid-term changes, handled
When a policy is endorsed and additional premium is due, finance it onto the existing loan with a new agreement and down payment — no need to start over with a new quote.
Renewals, before they're due
HPAC surfaces upcoming renewals to your agents and marketing reps every week, so renewal quotes go out early and retention stays high.
Paid-in-full invoices
When financing isn't the right fit, send the insured a paid-in-full invoice through the same portal and collect the full premium online.
For insureds
A clear agreement, a secure link to sign and pay, receipts for every payment and the option to set up monthly autopay — no paperwork to mail back.
Get a premium finance quote.
Send us the policy details and we'll come back with terms your insured can say yes to.