How to Apply for an Agency or Advisory Firm Loan
Remove the Stress of the Loan Application Process
Capital Resources offers a streamlined application process for insurance agency and financial advisor loan financing. Our underwriting team works closely with agency owners and advisors to review applications efficiently and structure financing around how your business operates and generates revenue.
Whether you’re acquiring an agency, funding succession planning, or accessing working capital for growth, the application process begins with understanding your goals and ends with funding built to support those goals.
When choosing a lender for your next Allstate, independent agency, or financial advisor loan, you want to know what the process looks like and how each step works. With Capital Resources, the process starts with a conversation.
One of our insurance agency and financial advisor loan specialists listens to your goals and walks you through the financing options built around your agency or advisory firm. Once we understand your goals, we will ask you to complete a credit application and personal financial statement.
Application Process Overview
Capital Resources has streamlined the lending process into five clear steps:
- Initial Consultation – Connect with a Capital Resources lending specialist to discuss your financing objectives. We listen first, then explain which loan structures might serve your goals.
- Application Submission – Complete the credit application and personal financial statement specific to your agency type. Gather the required documents listed below for your situation.
- Underwriting Review – Our underwriting team reviews your application and supporting documents. Because we specialize in insurance agencies and advisor firms, we understand your revenue model without requiring extensive education.
- Loan Approval – Once approved, you receive a formal commitment letter outlining loan terms, interest rate, and structure. We discuss the terms to ensure they align with your expectations before moving to closing.
- Closing and Funding – Final documents are sent electronically via DocuSign for execution. After closing, funds are disbursed promptly based on the schedule we set with you during underwriting and also in accordance with your purchase agreement.
For a detailed explanation of each step, visit our How It Works page.
Choose Your Application Type
Select the application matching your business type. Each section below provides the specific documents required for your situation.
Allstate Agency Owners
Capital Resources has specialized in Allstate agency financing since 2005. Our underwriting team understands TPP value, Variable Comp structures, and Allstate-specific succession planning.
Download Forms: Allstate Credit Application | Personal Financial Statement
See Required Documents for Allstate Agents below for complete document checklist.
Independent Agency Owners
Independent agencies build value through multi-carrier relationships and book diversification. Capital Resources evaluates carrier mix, retention rates, and organic growth patterns when structuring loans.
Download Forms: Independent Agency Credit Application | Personal Financial Statement
See Required Documents for Independent Agents below for complete document checklist.
Financial Advisory Firm Owners
Financial advisory practices generate value through assets under management and recurring revenue relationships. Capital Resources structures financing around fee-based revenue models and client retention dynamics.
Download Forms: Financial Advisor Credit Application | Personal Financial Statement
See Required Documents for Financial Advisors below for complete document checklist.
Attachments needed for an Allstate agency credit application:
From the Loan Applicant:
- Fully completed and signed Credit Application (Capital Resources form required)
- Fully completed and signed Personal Financial Statement (Capital Resources form required)
- Current resume or bio for applicant(s) including work history with cities and dates, insurance licenses held, and industry honors
- Last 3 years of personal tax returns with all supporting schedules (federal only)
If Applicant Currently Owns an Allstate Agency:
- Last 3 years of agency tax returns with all supporting schedules (federal only)
- If most recent December year-end tax return is not yet filed, provide year-to-date Profit & Loss statement
- Current year-to-date Profit & Loss statement
Required Allstate Reports:
- Current Termination Payment Statement (TPP)
- Year-to-date Business Metrics Report
- Last 3 years of December year-ending Business Metrics Reports
- Year-to-date Commission Payment Notification (CPN)
- Last 3 years of December year-ending Commission Payment Notifications (CPN)
From the Agency Seller (For Acquisition Loans Only):
- Last 3 years of agency tax returns with all supporting schedules (federal only)
- Current year-to-date Profit & Loss statement
- All Allstate reports listed above (TPP, Business Metrics, CPN)
Attachments needed for an independent agency credit application:
From the Loan Applicant:
- Completed Credit Application with signature of party authorizing loan request
- Fully completed and signed Personal Financial Statement
- Most recent 3 years federal income tax returns of borrowing entity
- Most recent 3 years financial statements (balance sheet and profit & loss) for borrowing entity
- Current year-to-date balance sheet and profit & loss statement
- Articles of Organization/Incorporation and Operating Agreement/Bylaws for borrowing entity
- Most recent 12 months commission reports by carrier for agency in question
For Each Individual with 5% or More Ownership:
- Personal Financial Statement (individual or joint)
- Most recent 3 years personal federal income tax returns
- Current resume with dates and cities of employment (highlight insurance industry experience)
Required Documents for Financial Advisors:
From the Loan Applicant:
- Completed Credit Application with signature of party authorizing loan request
- Fully completed and signed Personal Financial Statement
- Current FINRA Broker Check report
- Two forms of ID from applicant(s)
- Last 3 years of personal and corporate tax returns (federal only)
- Most recent 3 years financial statements (balance sheet and profit & loss)
- Current year-to-date balance sheet and profit & loss statement
- Articles of Organization/Incorporation for firm(s) currently owned
- Operating Agreement/Bylaws for firm(s) currently owned
- Agreements with Broker/Dealer(s) for firm(s) currently owned
- Top ten (10) client list by AUM for firm(s) currently owned
- AUM summary
For Each Individual with 20% or More Ownership:
- Personal Financial Statement (individual or joint)
- Most recent 3 years personal federal income tax returns
Credit Application
Submit Your Application
Once you have gathered the required documents, submit your completed application to Capital Resources. Our underwriting team will review your materials and contact you with any questions during the evaluation process.
If you have questions about the application process or need assistance determining which documents apply to your situation, connect with a Capital Resources lending specialist.
Contact Us | Helpful Tips for Your Application | Payment Calculator
Since 2005, Capital Resources has provided specialized financing to insurance agencies and financial advisors across the United States. With loan terms from 1 to 15 years, flexible funding uses, and approval timelines often measured in days rather than weeks, Capital Resources structures financing around how agencies actually operate and grow.
10A