Finance your clients’ premiums in-house.
HarborPay gives insurance agencies their own premium-financing platform. Approve clients in minutes, collect monthly installments automatically, and keep the finance income that used to go to a third-party lender — all under your own brand.
Premium financing, owned by your agency
Stop referring premium financing out the door. HarborPay turns it into a product line you control.
Finance premiums in-house
Offer monthly installment plans on annual premiums and keep the finance income in-house instead of routing it to an outside lender.
White-labeled to your brand
Every quote, payment page, and statement carries your agency’s name — clients never see a third party.
Approvals in minutes
Automated underwriting and e-sign take clients from quote to an active payment plan in minutes, without the paperwork back-and-forth.
Automated billing & collections
Recurring ACH and card payments, dunning, and reinstatement handling run on autopilot so your team doesn’t chase invoices.
Compliance built in
State-specific finance agreements, disclosures, and audit trails are generated for every contract automatically.
A new revenue line
Earn interest and fees on financed premiums — turning a cost center into measurable agency profit.
Why agencies switch to HarborPay
0%
In-house & white-labeled
Minutes
From quote to payment plan
Direct
Payouts to your agency
New
Agency revenue line
How it works
Go live in days, not quarters.
1. Set up your program
Configure your financing terms, rates, and underwriting rules once. No carrier integrations required.
2. Offer financing at quote
Present a branded monthly-payment option alongside any policy. Clients e-sign and pay their down payment online.
3. Get paid, automatically
HarborPay collects each installment from your client and pays the funds straight to your agency — you keep the finance margin.
Frequently asked questions
Premium financing lets a policyholder split a large annual insurance premium into smaller monthly installments instead of paying it all upfront. The financing party advances the premium and the client repays over time, typically with interest. With HarborPay, that financing party is your agency.
Traditional premium finance routes your clients — and the finance income — to a third-party lender. HarborPay is pure software: your agency finances the premium, and we process your clients’ installment payments and pay the funds to your agency. Your brand, your margin.
No. HarborPay doesn’t integrate with or pay carriers. We process installment payments from your clients and remit the funds to your agency — how you pay carriers stays exactly as it is today.
No. The entire experience — quotes, payment pages, statements, and finance agreements — is white-labeled to your agency. HarborPay stays invisible.
Most agencies are live within days. There are no carrier integrations to build — configure your terms once and start offering financing on your next quote.
Ready to bring premium financing in-house?
See how HarborPay turns premium financing into a revenue line your agency owns. Book a 20-minute demo and we’ll walk you through it.
- ✓ 20 minutes, tailored to your agency
- ✓ No carrier integrations required
- ✓ Live within days, not quarters
Takes 30 seconds • No commitment