Compare Your Funding Options
Funding that fits you.
Whether you’re looking for flexibility or structure, we offer two powerful solutions designed to fit the way you work.
Here’s a side-by-side breakdown to help you choose the best fit.
Learn about our products.
We provide both loans and lines of credit to give insurance agents the flexibility they need when accessing working capital. If you prefer a lump sum with fixed monthly payments, our loan option may be the right fit. For agents who want the freedom to draw funds as needed with variable monthly payments, a line of credit is a better choice.
During your underwriting call, we’ll review your qualifications and let you know if you’re eligible for a loan, a line of credit, or both.
Line of Credit
Planning to purchase leads in August, hire staff in September, and invest in office equipment in October? A line of credit may be the ideal solution. It provides ongoing access to funds, allowing you to draw what you need, when you need it—offering maximum flexibility for evolving business expenses.
Pay for Only What You Borrow
No fees on funds not borrowed.
Access for a Full Year
Draw from your credit line anytime for up to 12 months.
No Credit Check
Approval is based on your commissions, not your credit score.
Commission-Based Repayments
Convenient and automatic.
Up to $50,000 Approved
Apply once, pull as needed.
Loan
Considering a large marketing investment, hiring a new licensed sales producer, or renovating your office space? Our loan option may be the best fit. You’ll receive a lump sum upfront, with predictable, fixed monthly repayments.
Fixed Monthly Payments
Know exactly what you owe each month.
Up to 2 Years to Repay
Spread out payments over time.
No Credit Check
Approval is based on your commissions, not your credit score.
Commission-Based Repayments
Convenient and automatic.
Up to $50,000 Approved
One-time funding with long-term support.
Which is right for you?
Need ongoing access to funds? Go with the Line of Credit.
Want a lump sum and consistent payment plan? A Loan may be your best fit.
Still not sure? Contact us and we’ll help you choose the right option.
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.
