of American workers live paycheck to paycheck. Higher in labor-intensive industries.
Your clients are dealing with cash flow pressure, payroll stress, and workforce retention problems every quarter. Patch is the platform that gives you something real to offer them.
Become a partnerMost of your clients aren't going to call you about it. They'll renew the policy, ask about payment terms, mention turnover in passing, maybe push back harder than usual on premium. Underneath, the pattern is the same across labor-intensive small businesses. Money goes out before it comes in, workers are stretched between paychecks, and the financial tools that exist today were not built for the way these businesses actually run.
Patch was built for exactly this gap. Not for the abstract small business. For the businesses your clients are running today.
of American workers live paycheck to paycheck. Higher in labor-intensive industries.
of small business failures cite cash flow problems.
Average time to collect on an invoice. Payroll runs every two weeks.
401(k) hardship withdrawals in 2025.
Every product is delivered through licensed, regulated partners. Patch is the integration and the relationship.
What you use directly
Layered onto the policies you already write.
Premium Finance is the product Patch built for your agency. Layered onto policies you already write, with competitive rates and a fast bind. We handle all policies and placements, standard and surplus, no matter how complex. Your client gets a better financing option, you keep the relationship, your agency operates the way it already does.
What you introduce to clients
Invoice Factoring for the labor-intensive small businesses where invoices lag behind payroll obligations. Turn unpaid invoices into working capital the same week, without your client taking on new debt.
Earned Wage Access, affordable Workplace Loans, and the Patch Card with direct deposit and instant access. Offered by the business, activated by the worker. Retention is the outcome.
Premium Finance runs through your normal workflow.
Whether you bind through Patch or an existing premium finance carrier, you operate the way you already do.
The platform side works differently. When you see a client who could use working capital, paycheck access, or both, you introduce them. We meet the client, understand the situation, and offer what fits. Per-introduction recognition reflects the value of the introduction.
Bind premium finance through Patch or your existing carrier, whichever fits the client. For working capital or paycheck access, introduce the client and we start with a conversation about the situation, not a pitch.
Qualification, presentation, onboarding, ongoing support. Workforce activation happens through your client's existing payroll system. You stay informed but don't carry the operational lift.
Per-introduction recognition when clients enroll on platform products. Premium Finance runs through your normal commission structure.
Not every conversation is a yes. Here's what comes up most often.
No. Patch's Premium Finance is one option, not a mandate. You bind premium finance through whichever relationship serves the client best, including yours. We're a platform, and Premium Finance is one product. The rest of what we offer (working capital, paycheck access) has nothing to do with your premium finance partners.
No. The workers we serve are typically dealing with overdraft fees, payday loan rates of 300%+ APR, and 401(k) hardship withdrawals that cost 30% in taxes and penalties. Earned Wage Access lets workers tap wages they've already earned, with no interest, no overdraft, no debt cycle. Workplace Loans through Patch run at standard installment rates. Invoice Factoring is a B2B financing tool businesses have used for decades. Every product on the platform is delivered through licensed, regulated partners. The status quo is what's predatory. We're the alternative.
Many clients may not know what premium finance is. They'll do what their broker recommends, including pay in full or use carrier bill. The Patch partnership doesn't depend on premium finance being part of the conversation. Brokers introduce clients to Patch for working capital problems, for workforce retention problems, or for a combination. Premium Finance is one option, not the entry point.
As involved as you want to be. Default is that Patch carries the full operational lift after the introduction. Qualification, sales, onboarding, service. You stay informed through periodic updates. If there's a specific client you want to stay closer to because of the relationship, the stakes, or the complexity, we'll loop you in at whatever level you prefer. The partnership is built around how you work, not around our process.
Patch is the financial partner for businesses that run on people. The partnership we're building with insurance brokers is how that financial partnership reaches the businesses you serve.
If you serve labor-intensive small businesses and Patch sounds like something your clients could use, drop a note. Someone from the partnerships team will reach out within one business day.