Commercial Property & Casualty Premium Financing

What is it?

DirectLenderMatch classifies Commercial Property & Casualty Premium Financing under the financing form “Premium finance loan.” Its typical use in this directory is: Finance business insurance premiums.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Unearned insurance premium / policy cancellation rights. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Finance business insurance premiums.

What backs or supports it?

Unearned insurance premium / policy cancellation rights.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct commercial premium-finance provider

AFCO

AFCO currently provides commercial insurance premium financing.

Official evidence page →

Last verified: 2026-08-23

Direct premium-finance provider

FIRST Insurance Funding

FIRST Insurance Funding currently provides premium-finance services for commercial property and casualty insurance policies.

Official evidence page →

Last verified: 2026-08-23