Business Details
Fast & Flexible Insurance Agency Loans
AgileCap has been a trusted specialty lender for insurance agencies since our founding. With over two decades of industry expertise, we provide fast, flexible financing solutions tailored to the unique needs of independent insurance agencies. Our dedicated team of lending professionals understands the complexities of agency operations and delivers personalized service that traditional lenders cannot match. We specialize in acquisition loans, working capital financing, and succession planning, with a streamlined process that minimizes paperwork and accelerates fund delivery. Our proprietary underwriting approach considers the value of your book of business rather than relying solely on conventional collateral requirements.Having supported hundreds of agencies with millions in capital, we combine deep industry knowledge with responsive service to help agencies achieve their growth objectives. Our leadership team brings extensive financial services experience, including corporate development, investment banking, and hands-on insurance operations. We maintain a culture of flexibility that enables customized loan structures for agencies at every stage of development, whether you're pursuing an acquisition or expanding your operations.
Services
Acquisition Loans
Working Capital Loans
Succession Planning
Merger Financing
Commission-Based Lending
Flexible Repayment Terms
Fast Fund Delivery
Highlights and features
- We offer 20+ years of insurance agency lending expertise
- Access funding in as few as 7 business days
- Receive customized loan terms based on your book of business
- We operate with full transparency and no hidden fees
- Our team deeply understands insurance agency business models
What people say
Fast funding process
Exceptional customer service
Deep industry understanding
Flexible loan terms
Quick decision making
Services
Acquisition Loans
Our acquisition loans help insurance agencies purchase existing businesses with customized financing. We understand the unique valuation metrics of insurance agencies and structure loans based on your book of business value. With approval in as little as 24 hours and funds available in 7 business days, we enable quick transactions while maintaining flexible terms that adapt to your specific needs.
Working Capital Loans
Working capital loans provide liquidity for agency expansion, staff hiring, and technology investments. Our commission-based lending model considers your agency's revenue streams rather than traditional collateral requirements. This approach allows us to offer competitive terms with repayment schedules up to 10 years, supporting sustainable growth for independent insurance agencies.
Succession Planning Loans
Succession planning loans facilitate ownership transitions and partner buyouts with tailored financing solutions. We help agencies maintain continuity during leadership changes by structuring loans that align with your specific transition timeline. Our process supports both incoming and outgoing owners, ensuring smooth transitions while maintaining financial stability throughout the change in ownership.
Merger Financing
Merger financing solutions support strategic combinations of insurance agencies with customized capital structures. We specialize in complex transactions requiring bridge financing and long-term capital solutions. Our team understands the unique challenges of merging operations and provides funding that accommodates integration timelines while maintaining flexibility for evolving business needs.
Commission-Based Lending
Our commission-based lending model evaluates agency value through revenue streams rather than traditional collateral requirements. This approach enables more accessible financing for agencies with strong books of business but limited tangible assets. We structure loans that reflect your agency's earning potential, providing more appropriate funding solutions for insurance professionals.
People
Peter Friedman
President
Former Loews Corporation Vice President with 20+ years in corporate development and M&A. Holds MBA from Dartmouth and B.S. in Geology. Leads AgileCap's strategic direction.
Ken Jacquin
CFO
Ex-Ragnar Holdings CFO with extensive private equity and investment banking experience. Holds MBA from Columbia and dual degrees in Finance/Accounting. Manages AgileCap's financial operations and acquisition strategy.
Jackson Frandsen
VP, Loan Placement
15+ years in financial services and former multi-line agency owner. Certified insurance professional with expertise in enterprise valuation. Leads loan placement with data-driven financing solutions for business owners.
Ed Sedillo
Underwriting Analyst
Former KPMG advisor with M&A expertise. Holds business degree in Economics and applies financial analysis skills to assess client creditworthiness while supporting AgileCap's underwriting processes.
Rens Barretto
Underwriting Analyst
Certified Public Accountant with transaction advisory experience. Conducts financial analysis and due diligence for loan assessments, leveraging audit and valuation expertise from prior roles in financial services.
Questions
What makes AgileCap different from traditional lenders?
We specialize exclusively in insurance agency financing, offering faster approvals, flexible terms, and commission-based lending that considers your book of business value rather than traditional collateral requirements.
How quickly can I receive funding?
You can receive a term sheet within 24 hours, with funds available in as little as 7 business days after submitting required documents through our streamlined underwriting process.
What loan amounts are available?
We offer loans ranging from $100,000 to $5,000,000+ based on your agency's value, business needs, and credit profiles to support acquisitions, growth, or working capital requirements.
Do you require traditional collateral?
No, we use your book of business as collateral. Our commission-based lending model focuses on your agency's revenue potential rather than requiring tangible asset collateral for financing.
What credit requirements do you have?
We consider FICO scores starting at 550+, with flexible terms that evaluate your agency's specific circumstances rather than applying rigid credit score thresholds for loan approvals.
How do you customize loan terms?
We work with you to create personalized financing solutions that match your agency's growth plans, offering repayment terms from 2-10 years and structuring loans based on your specific business needs.
