For Agents

Chelsea develops customized incentive programs for agents to provide multiple financing options to their clients. Together with our groundbreaking technology and world-class customer service we continue to set ourselves apart from the competition. Financing your insurance premiums with Chelsea offers outstanding benefits:

  • Immediate commission collection
  • Reduced billing and collection expenses
  • Superior account receivable ratios
  • Increased annual income, where permitted by law


Chelsea offers a variety of features that may be customized to meet your specific needs and business goals:

  • Flexible payment options with no prepayment penalty
  • Straightforward underwriting
  • Competitive rates and terms
  • Ability to finance taxes and fees
  • Revenue sharing programs, where permitted by law


Chelsea provides every agent with secure access to our state-of-the-art software where they can create their own insurance premium finance quotes and agreements in just a few simple steps. We even offer integration with your own agency management systems, including those produced by Vertafore and Applied. Our Information Technology team can even accommodate custom integrations in certain situations.

Chelsea enables agents to actively manage their clients' accounts online. Examples of the specific capabilities that are available include:

  • Make payments on behalf of the client
  • Policy number and notification updates
  • Real-time reporting capabilities
  • Print invoices and other notices
  • Verify funding details
  • Mobile access

We are continuously investing in our technology so we will periodically introduce new features, which is why we encourage our agents to provide feedback about what changes would make their lives easier and more profitable.

We work with our agency partners and their insureds to offer flexible premium financing programs

Chelsea Financial is the natural choice for managing your business - financing your insurance premiums gives you the flexibility to use your working capital more effectively. You can use a Chelsea Financial premium finance agreement and free up your capital for product development, hiring new employees, marketing and other investments to grow your business. We will work with you to develop customized financing solutions that fit the needs of your business.

Why finance your insurance premiums? A few of the reasons are:

Preservation of Capital

Amortize your payments over the year and free up working capital to invest in other business opportunities.

Availability of Credit

Keep your credit lines open for other purposes.

Higher Returns

Earn more on the retained capital than you would by prepaying your insurance premiums.


Purchase additional coverage at a competitive rate.

Fixed Rate

Take comfort in knowing your rate will not increase over the term of the loan.

Ask your agency to provide a premium finance quote for your coverage. Most quotes are available in minutes with no financial information required. Once you have signed an agreement, which can be done electronically in some states, you can pay by mail, phone, fax, our secure website, pre-authorized account debit or our mobile website. We look forward to working with you.