Financing for insurance agencies
An agency grows with its book, its producers and local presence. We help you explore capital to invest in that growth, or financing to buy the office where you serve clients.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Eligible book-of-business purchase
- Hiring and training producers
- Agency management systems and CRM
- Local marketing and lead generation
- Client office improvements
OWN™ — buy the building where you operate
Your book is recurring and your office is the community touchpoint. Paying rent on a space that supports steady income turns a strength into a fixed expense. Owning the office aligns recurring revenue with an asset you keep.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and book retention and recurring commissions. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
SBA lending: Insurance agencies
Public SBA data on loans approved by participating lenders.
- approved SBA loans
- 5,170
- median approved amount
- $237,450
- 7(a) / 504
- 4,618 / 552
States with the most loans
- California575
- Florida538
- Texas536
- New York305
- Ohio211
Source: SBA public 7(a) and 504 loan data, FY2020–FY2026 (through June 30, 2026). CapitalBUENO was not necessarily involved in these loans.
Frequently asked questions
Can I finance buying a book of business?
Eligible business acquisitions are considered in specific industries. We review your case before it goes out.
Does commission income help me qualify?
Yes, recurring revenue is evaluated within the business cash flow, subject to lender review.
Can I buy the office I operate from?
In many cases, yes, if your agency occupies most of the property, through OWN\u2122.
Is there a penalty for paying early?
No. GROW\u2122 has no prepayment penalty.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
Learn more
Buying a business that already works gives you customers, staff and cash flow from day one. SBA financing can cover the acquisition and, when it applies, the building too.
Learn more
A renovated space attracts customers, improves their experience and helps you work better. With working capital you can make those improvements without slowing down daily operations.
Learn moreIndustries
- Accounting & tax
- Agriculture
- Auto dealerships
- Automotive care
- Broadband
- Dental practices
- Educational services
- Fitness centers
- Franchise restaurants
- Franchises
- Funeral homes & crematories
- Government contracting
- Hardware stores
- Healthcare
- Home care
- HVAC & plumbing contractors
- Investment advisory
- Law firms
- Managed service providers
- Pet care facilities
- Pharmacies
- Professional services firms
- Property management
- Restoration, remediation & cleaning
- RV parks
- Self-storage
- Veterinary clinics
- Other established small businesses
Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.