Point Funding

Loans based on commissions - Working capital for Insurance Agents and Financial Advisors

We’ve been in your shoes.

We began our careers in the insurance business. We started Point Funding in 2012 because we knew from our personal experience that insurance agents and financial advisers often need short-term loans to grow their business. Traditional financial institutions typically take a onesize-fits-all approach when making loans, but commission-based professionals don’t fit the standard mold.

Loans based on your commissions, not your credit score.

We know what a promising commission stream looks like, even when it doesn’t look promising to a conventional bank or small business lender.




Point Funding Loan
vs.
Conventional Bank Loan

Point Funding Loan

  • Easy. Quick.
  • Requirements
    9-12 months of commission statements.
  • Approval Period
    72 hours.
  • Terms
    Financing fee. No hard collateral required.
  • Funds Released
    As soon as your signed contract is received.

Conventional Bank Loan

  • Not easy. Not quick.
  • Requirements
    Excellent credit.
    Collateral.
    Detailed business plan.
    Financial documentation.
  • Approval Period
    Weeks to months.
  • Terms
    Collateral required.
  • Funds Released
    Within weeks.

Your money. Your choice.

Purchase leads. Cover business expenses. Hire staff. Pay business taxes. We don’t care how you spend your money. We care about on-time repayment. Our goal is to develop an ongoing relationship with all of our clients and grow together.

You invest in your business. We invest in you.

We believe that, like the insurance business, Point Funding is based on relationships. We personally speak with every agent or financial adviser who applies for a loan.

You love what you do. We love what we do.

Point Funding lends money. We do not buy your commission stream. You retain ownership of your commissions. We don’t sell loans. We will always be the company that services your loan.

How to Apply

Set aside two minutes to fill out our online application. Once we receive your application, someone from Point Funding will personally call you to explain our loan program.

Get Started

Contact

Loans and lines of credit are subject to approval. The materials on this website are for information purposes only. They are not offered as and do not constitute an offer for a loan, professional or legal advice. The use of this content, including sending an email, voicemail or any other communication to Point Funding, does not create a relationship of any kind between you and Point Funding.