Insurance Premium Financing
Funding to keep your coverage in place and cash flow intact.
Get startedManage rising insurance costs with insurance premium financing.
Annual insurance premiums can put strain on your association’s budget. Our short-term, fixed-rate loans let you spread out large payments into predictable monthly installments without tapping reserves or raising dues.1
What can you use insurance premium financing for?
We help cover a broad range of policy types, including:
Property and casualty insurance
Secure essential protection for your buildings and common areas with financing that aligns with your cash flow.
General liability coverage for HOAs and condos
Ensure your association is covered against third-party claims without needing a lump-sum payment upfront.
Directors and Officers (D&O) insurance
Safeguard your board members from personal liability while avoiding budget disruptions and other expenses.
Flood and windstorm coverage
Finance specialized, high-premium policies often required in disaster-prone areas for increased peace of mind.
Tailored umbrella insurance policies
Add a critical layer of liability protection without burdening your operating budget or stretching your reserves.
Workers’ compensation insurance
Cover employees, vendors, and maintenance teams while preserving your association’s financial stability.
Frequently asked questions about premium financing.
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We finance most common association policies, including property, liability, umbrella, D&O, flood, and workers’ comp.
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HOAs, condo associations, and other residential associations are eligible. Loans are approved at the board level, with no personal guarantees or homeowner underwriting required. You must have a minimum of 15 units to apply.
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Financing amounts are based on your total premium cost and the financial health of your association. We’ll walk you through custom options during your consultation.
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We offer short-term, fixed-interest-rate financing, with up to an 11-month repayment schedule. Expect predictable monthly payments that protect your reserves and avoid special assessments.
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Yes. We can finance policy endorsements, new coverage additions, or changes in carriers during the policy term.
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The application process is simple. After a quick consultation, we’ll help your board complete the necessary documents and ensure funding is in place before your policy lapses.
Find the right loan for your community’s unique needs.
As an HOA management company, you can explore solutions designed to ensure adequate reserve funds and operating funds to help you protect what matters most.
Prepare for the unexpected, like weather-related disasters, special assessments, and urgent repairs.
Long-term, fixed-rate funding for capital improvements, from roofing to HVAC upgrades.
1 All loans are subject to credit approval. Rates, program terms, and conditions vary.