HOW IT WORKS
A Clear, Confident Lending Process Built for Insurance Agencies & Financial Advisors
Capital Resources provides a structured and transparent lending process designed for established insurance agency owners and financial advisory firms. Our goal is to make each step clear, predictable, and aligned with your long-term business goals. With more than 20 years of experience and having lent more than $750,00,000 to insurance agents and financial advisors, we support clients through acquisitions, ownership transitions, and growth planning with confidence and partnership.
Step 1: Initial Consultation
Your lending relationship begins with a focused conversation about your goals. We take time to understand your business, whether you are planning an acquisition, a succession event, or a working capital need. This helps us determine the right path forward and what information will be required during evaluation.
Step 2: Evaluation
Our team reviews key details about your agency or advisory firm, such as book or practice revenue, cash flow, and ownership structure. This step allows us to identify a loan structure that supports your objectives and sets realistic expectations on timeline, documentation, and next steps.
Step 3: Underwriting
During underwriting, we analyze financials and documentation to validate the loan structure discussed during evaluation. The underwriting process is thorough but streamlined, and your lending specialist will provide clarity at every stage so you know exactly what to expect.
Step 4: Approval
Once underwriting is complete, you receive a loan proposal outlining terms, repayment structure, and conditions. We walk through the details with you to ensure the loan aligns with your goals and that you have clear next steps for closing.
Step 5: Funding
After approval and closing, funds are delivered according to the structure of your transaction. Whether you are acquiring another agency, finalizing a buyout, or strengthening day-to-day cash flow, our process is designed to support a smooth transition into your next phase of growth.
Who This Process Supports:
Insurance Agencies
We work with independent and captive agency owners who are expanding their book of business, planning succession, hiring team members, or consolidating debt. Our loan structures reflect how agencies generate revenue and grow over time.
Financial Advisory Firms
We support financial and investment advisors seeking capital for practice acquisitions, ownership transitions, technology investment, or expansion. Our team understands advisory revenue models and designs financing that fits your long-term goals.
Why Agencies and Advisors Choose Capital Resources
Capital Resources provides a dependable lending experience grounded in partnership and industry expertise.
Clients value our:
- More than 20 years of lending experience
- National reach and established track record with insurance and advisory firms
- Tailored loan structures designed around the value of your book or practice
- Transparent process supported by a dedicated lending specialist
“I refinanced my business with Capital Resources and was highly satisfied with the experience. The process was very quick and I was kept informed every step of the way. When I had a question, my call or email was always returned promptly..” – Allstate Insurance Agent, Florida
Get Started
If you are planning an acquisition, ownership transition, or growth initiative, our team is ready to guide you through the lending process and help you explore appropriate financing options for your agency.