Insurance Agency Lending and Banking Solutions

The services and expertise you need to run and grow your agency.

Banking

Specialized Trust Account Management
Business Checking
Online Banking
ECT from the Banking Group

Treasury Management Services

Merchant Services
Positive Pay
ACH Services

Lending

Agency Loans
Working Capital Lines of Credit
Credit Card Services
Insurance Premium Financing

Serving as your partner in agency success

In 2025, the US property and casualty insurance industry remained profitable, building on its strong 2024 performance, which recorded the best underwriting results in over a decade.¹ This is encouraging news for your property and casualty insurance agency. However, you cannot solely depend on national trends to maintain your momentum; you need to leverage the latest banking services to stay ahead of the competition.

When you choose Ameris Bank for your property and casualty insurance agency's banking needs, you get the advantage of a state-chartered bank that offers comprehensive banking solutions and holds over $28.1 billion in assets. Additionally, you benefit from the specialized products and industry expertise provided by US Premium Finance, a leading provider of insurance premium financing that has been a division of Ameris Bank since 2018.

US Premium Finance and Ameris Bank give you access to a full suite of agency banking products and services. This includes the five most widely used bank products used by insurance agencies and brokerages nationwide: business checking accounts (used by 97% of firms), business savings or money market accounts (used by 66% of firms), business debit card or business check card (used by 62% of firms), automated clearing house services (used by 62% of firms), and overdraft protection for business checking (used by 61% of firms).²

Myriad other products are also available, including term loans, treasury management, fraud prevention tools, insurance premium finance agreement automation tools, and insurance cancellation prevention tools, all delivered through a unified approach. Plus, your clients can obtain premium financing at the speed of a financial technology company.

Forward-thinking solutions to enhance your agency's efficiency

US Premium Finance has dedicated time and resources to developing innovative tools and technologies that allow you to work efficiently and deliver excellent service to your clients. The following are some of the forward-thinking solutions you will have access to when you partner with US Premium Finance.

The Premium Finance Agreement (PFA) Automated Systems Solution, known as PASS, allows for the quick generation of agreements for both new and existing customers.
Cancellation, Anticipation, and Prevention through Engagement (CAPE), is an automated process and online tool designed to help prevent insurance policy cancellations
Robotic Process Automation (RPA) is an AI-driven technology that speeds up agreement processing, reduces manual errors, and saves time.
The US Premium Finance app helps you facilitate communications, generate documents, and accomplish other agency-related tasks on your phone or tablet.
APEX (Agency and Partner Exchange) is an intuitive agency dashboard designed to help you better manage your insurance premium financing. With real-time visibility and a centralized view of key activities, APEX makes it easier to monitor performance, prioritize accounts, and stay in control of your business.

Case study

$4 Million Revolving Line of Credit For An Independent Insurance Broker

An independent insurance broker sought a flexible financial solution to increase working capital, recruit and hire employees, invest in technology initiatives, and expand its direct-to-consumer insurance offerings. US Premium Finance structured a $4 million revolving line of credit (RLOC) tailored specifically to their needs. The RLOC, which had a 3-year term, a Prime Rate interest rate minus 1.00%, and monthly interest-only payments, provided the broker with immediate access to funds to make critical investments and support its operations.

As part of the transaction, the broker deepened its banking relationship with Ameris Bank. The broker moved its trust accounts to Ameris Bank, with average deposits expected to exceed $4 million. Additionally, the broker granted Ameris Bank/US Premium Finance the right of first refusal for premium finance business and committed to at least $45 million in annual premium finance volume.

Results of the RLOC Transaction

By successfully securing a $4 million RLOC, the broker was able to invest in various strategic initiatives aimed at increasing market share and profitability while maintaining liquidity. The RLOC also played a key role in strengthening its relationship with Ameris Bank.

Industry expertise that inspires trust

The team at US Premium Finance has expertise in both banking and property and casualty insurance and can offer solutions tailored to your agency's needs. You will collaborate directly with a friendly expert who will take the time to understand your agency's goals and challenges. Based on this understanding, they will recommend banking, payment, and financial solutions for your agency.

Whether you're an independent agent, managing general agency, carrier, or financial advisor, US Premium Finance is dedicated to providing exceptional service and strategic guidance to help you succeed in a competitive marketplace. As of June 2026, there are 120,430 insurance agencies and brokerages in the U.S., employing 807,000 workers.³

Ready to learn how US Premium Finance can benefit your agency?

^{1, 2, 3} VerticalIQ, Industry Report—Insurance Agencies & Brokerages, May 6th, 2026