Imperial PFS

Imperial PFS, which trades as IPFS, lends against commercial insurance premiums so a policyholder can pay a large annual premium in installments instead of in one payment. The loan is arranged through the agency or brokerage that placed the policy, and most of the product is built around that agent relationship.

Agencies get premium finance quoting, flexible payment options, eForms and eSignature on finance agreements, commission automation for faster payouts, retention and cancellation-avoidance tools, and integrations with agency management systems, CRMs, and carrier platforms. IPFSDirect handles premium billing, collection, and funding for agencies that want the whole payment flow outsourced. Policyholders manage their accounts through a dashboard, a mobile app, and an interactive voice system available at any hour.

In 2025 IPFS financed more than 850,000 loans across North America, totaling more than $17 billion in the United States. The company reports 49 years in the business, more than 600 associates, and more than 20 regional offices across the United States, Canada, and Puerto Rico, with accounts routed to a branch by the first three letters of the account number. Headquarters are in Kansas City, Missouri.

Rates and terms are quoted per policy rather than published, and Canadian business runs through a separate Imperial PFS Canada entity, so confirm which entity holds an account before comparing terms across a portfolio.