IPFS Corporation

IPFS is an insurance premium finance and payments company headquartered in Kansas City, Missouri. It makes short-term loans that let businesses and individuals secure property and casualty coverage without paying the annual premium up front, and it supplies the payment technology agencies use to collect and reconcile those funds.

Financing is arranged through insurance agents and brokers rather than directly by the policyholder. Alongside the loans, IPFS offers premium billing, collection, and funding through IPFSDirect, commission automation for agencies, eForms and eSignature, and integrations with agency management systems, CRMs, and carrier platforms, including Applied Epic and Applied Pay. Policyholders manage accounts through an online dashboard, a mobile app, and an interactive voice response system.

In 2025 IPFS financed more than 850,000 loans across North America, totaling more than $17 billion in the United States. It reports 600+ associates and more than 20 regional office locations across the United States, Canada, and Puerto Rico, and says it has been providing financial solutions for 49 years. Canadian accounts are handled through Imperial PFS Canada.

Rates and finance charges are not published; they are quoted per policy when the agent arranges the loan. Accounts are routed to the local office matching the first three letters of the account number.