Partner program · Premium finance
Offer financing at checkout. The loan stays yours.
Your terms appear beside the policy quote. When an insured signs your agreement, the platform takes the down payment and sends the loan to you to book. You fund the MGA, collect the installments and keep the loan and the lien.
Why partner with us
Offers at checkout
Your offers appear beside the policy quote, where insureds of MGAs, carriers and agencies decide how to pay.
Funding handled
The platform takes the down payment, matches your funding to each loan and sends return premium back with a remittance file.
The loan stays yours
Your agreement, rates and lending decisions. The insured repays you directly; the platform never lends or collects installments.
Who this is for
A premium finance company that pays an insured's premium when the policy is bound, holds a lien on the policy, and is repaid in installments.
Your own premium finance agreement, disclosures and rates
Every lending decision stays with you
You are not a party to the policy; repayment is between you and the insured
How it works
One financed policy, end to end: who sends what, to whom.
- Step 1: Functional Finance to Insured.
Your terms at checkout
Quoted through your API, beside the policy quote.
- Step 2: Insured to Functional Finance.
Accept and sign
The insured signs your finance agreement at checkout.
- Step 3: Insured to Functional Finance.
Down payment
Collected at signing; settled before your booking is asked for.
- Step 4: You, the lender to Functional Finance.
Book or decline
A decline refunds the down payment; the insured pays another way.
- Step 5: You, the lender to MGA (Outside the platform).
You fund the MGA
On your contract's cadence; the platform matches it to each loan. The platform never lends.
- Step 6: Insured to You, the lender (Outside the platform).
Repays you directly
If payments stop, you ask the MGA to cancel; the cancellation reaches the platform from the policy system.
Your engineers start from a ready-made prompt
Once your developer access is approved, each program's interface page gives you a ready-made AI prompt: the contract, every key flow and the events, grounded in our API reference, OpenAPI spec and llms.txt.
Paste it into Claude, Cursor, GitHub Copilot, Codex, Windsurf, Replit or Lovable.
See the full interfaceWho does what
- Offers
- YouReturn a rate and terms.
- Functional FinanceRequests your quote and shows it beside the policy quote.
- Agreement
- YouWrite the agreement and its disclosures.
- Functional FinanceShows it before signing and retrieves the signed copy from you.
- Decision
- YouBook or decline each signed agreement.
- Functional FinanceAuthorizes the down payment; captures it when you book, voids it on a decline.
Show all 7 areasShow fewer
- Funding
- YouFund the MGA for each booked loan, with a funding report.
- Functional FinanceMatches your funding to each loan and settles the policy's invoices.
- Repayment
- YouCollect installments from the insured.
- Functional FinanceNever bills, chases or cancels on financed installments.
- Non-payment
- YouSend your notice of intent, then ask the MGA to cancel.
- Functional FinanceShows your notice to the MGA; receives the cancellation from the policy system.
- Payoff
- YouTell us when the loan is paid off.
- Functional FinanceReleases your lien and routes later return premium accordingly.
The full interface, for approved developers
Contracts, events, error handling and testing flows are in the developer portal, open to anyone whose developer access is approved.
How to become a partner
Agree
Step 1: Application
Your lending programs and licensed states.
Step 2: Your agreement
Your agreement and disclosures, shown before signing; the signed copy stays retrievable from you.
Step 3: Set up each MGA
Your program id and terms for each MGA you serve.
Build
Step 4: Connect
An adapter we build against your lending API.
Step 5: Test
Quotes, booking, declines, funding, cancellations and payoff in your sandbox.
Run
Step 6: Go live
Your offers appear at checkout for your programs.
Step 7: Monitor
Every quote, booking and loan, by status.
Return premium and liens
Anything uncollected on the policy is cleared first; you never receive more than was collected.
While you hold an active lien, midterm return premium comes to you, less anything uncollected, by ACH with a remittance file.
With no lien, state rules and the financing agreement decide where it goes.
Compliance
Your agreement carries the Regulation Z disclosures and each state's premium finance disclosures.
You keep rates and finance charges within each state's ceilings.
Your power of attorney lets you request cancellation for non-payment.
Once recorded, your notice of acceptance and lien are binding on the policy's money.
You hold the state licenses premium finance requires.
Questions partners ask
No. You make every lending decision and fund every loan.
No. The insured repays you directly. The platform never bills, chases or cancels on financed installments.
You send your notice of intent, then ask the MGA to cancel under your power of attorney. The cancellation reaches the platform through the policy system, and return premium follows your lien.
Yes. An MGA can offer more than one lender's program at checkout; each quote shows its own terms beside the policy quote.
Talk to us about becoming a financing partner
Tell us about your lending programs and the states you serve, and we'll be in touch about fit and next steps.