Competitive rates that work for your client and your retention.
Competitive rates, fast bind, agency-friendly workflow. Built to layer onto the policies you already write, not to disrupt how you already work.
Most premium finance carriers were built to operate at scale across thousands of brokers, with a model that assumes brokers will adapt to the carrier's workflow. Patch built Premium Finance differently. The product is designed to fit how independent brokers and agencies actually operate, with the operational details, rate structure, and service model calibrated to the way you work.
Built so brokers don't have to choose between competitive rates and a workflow that fits.
That doesn't mean every broker should switch to Patch's Premium Finance tomorrow. It means brokers who do find a premium finance carrier that operates with their agency in mind, not against it. The economics work for both sides, the workflow integrates with what you already have, and the right premium finance relationship gives you another reason your client sees you as more than the renewal call.
Competitive rates that work for your client and your retention.
Fast bind so the policy moves when the client is ready.
Built into your workflow, not bolted on.
A reason your client sees you as more than the renewal call.
Bind through your existing agency management system, your existing process, your existing carrier relationships. Patch Premium Finance integrates with the way you already work. No platform re-engineering, no new systems, no learning curve.
Fast quote, fast bind, fast funding. Whether the placement is standard, surplus, or complex commercial, the process moves at the same speed. Most quotes turn in hours, not days. No slowdown on the messier work that other carriers handle as exceptions.
Your account manager understands how an agency operates and knows your book. No re-explaining commercial premium finance basics on every call, no rotating support reps. The person who picked up the phone last time picks up the phone this time.
Most premium finance carriers handle standard placements well and create friction on everything else. Patch is built for the full range of what you write.
Premium finance is typically arranged through your commercial insurance broker. If your broker already binds policies through Patch, they can spread your premiums at the same time. If they don't, talk to them about it. If you don't have a broker yet or want to talk to Patch directly, we're happy to help you find the right path.
Talk to usPatch Premium Finance is currently licensed in Texas, California, Florida, Illinois, North Carolina, and South Carolina. We're expanding the licensing footprint over time. For brokers operating in other states, the rest of the Patch platform (working capital, paycheck access) is available nationally; premium finance specifically is licensed state by state.
Rate, speed, and service vary by broker, agency, and book. The most useful comparison comes from a conversation, not a marketing page. We're happy to walk through how Patch would handle your current placements and what the side-by-side actually looks like, with no commitment to switch carriers.
Yes. There's no exclusivity requirement. You bind premium finance through whichever carrier serves the client best. Many brokers we work with use Patch alongside existing premium finance relationships, choosing carrier by client situation.
Standard lines, surplus lines, commercial and complex commercial placements, multi-line policies, large premium accounts. Patch's Premium Finance is built to handle the full range of what brokers write, including the messy placements that other carriers create friction around. We work through specifics during onboarding.
Most quotes turn in hours, not days. Bind speed depends on the policy specifics, but the operational model is built to move at the speed clients expect. Funding follows quickly after bind.
Start a partnership conversation. We'll walk through how Patch would handle your current placements, what the rate and service look like, and whether we're the right fit for your book.