Batch Capital for Insurance Agents: You Know the Business Owner. We Fund the Business.

Commercial lines renewals put you in front of every business owner once a year. When one of them needs capital, you have a desk to call.

Become a Referral Partner

Insurance Agents

Same day
File read by a person
$5,000 to $2M
Funding range
6
Product lines, one desk
Written
Partner agreement
Why your clients need funding

The Renewal Tells You What Is Coming.

Three conversations where an agent hears the funding need first.

New vehicles and equipment on the schedule

A client adding trucks or machines to the policy is financing them somewhere. It can be with us.

The payroll audit shows growth

Revenue and headcount are up, and growth spends cash before it earns it.

A claim that leaves a gap

A deductible, a waiting period or a disputed claim leaves the business short while it keeps running.
How the referral works

Make the Introduction. Keep the Account.

01

Introduce the client

Send the client with their consent. The insurance relationship stays yours.

02

Matt reads the file same day

A person reads the statements the day they arrive and calls the client with a straight answer.

03

Offers across every product

Term, SBA, line, equipment and advance options side by side, each with its true cost shown.

04

You are paid when it funds

Paid on every file that funds, under a written partner agreement, with a written disclosure you can hand the client.

Become a Referral Partner
Every line of credit

One Desk for Every Kind of Funding.

Term loans, SBA loans, lines of credit, equipment financing and advances, matched to what the business actually needs.

Term loans

Up to $5,000,000 through our bank partners, fixed payments over up to 12 years, from 8.77% APR.

SBA loans

SBA 7(a) and 504 loans up to $5,000,000 for expansion, real estate and buying a business, over 5 to 25 years.

Lines of credit

Draw what you need when you need it, and pay interest only on what is outstanding.

Equipment financing

Trucks, machines and buildouts, financed against the equipment itself over 2 to 7 years.

Working capital advances

Funded by us with our own capital, as fast as same day, repaid from card sales or a fixed transfer.

Consolidation and refinancing

Roll existing advances or high-cost debt into one structure the business can carry.
The rules for your profession

Lending Is Not an Insurance Sale.

Producer compensation rules in both states govern insurance transactions, and a business loan is not one.

  • New Jersey's producer commission rules apply to producers selling commercial and personal lines insurance (N.J.A.C. 11:17B). They do not address a fee for a lending referral.
  • New York's Regulation 194 disclosure rule is scoped to insurance transactions (11 NYCRR 30.2).
  • Keep the two separate: never tie the financing to the purchase of a policy, and never make a policy a condition of the referral.
  • We provide a written disclosure of any referral fee so you can give it to your client.

Sources

A summary for orientation, not legal advice. Your licensing board and counsel have the final word.

Commonly Asked Questions

An insurance agent referral partner introduces a commercial client who needs capital to Batch Capital, which funds advances itself and places term, line and equipment financing with its lending partners.

Can an insurance agent accept a referral fee from a business lender?
We found no New Jersey or New York insurance rule that addresses it. Producer compensation rules in both states (N.J.A.C. 11:17B; NY Regulation 194) govern insurance transactions, and a business loan is not one. Keep the referral separate from any policy sale.
Do I have to disclose the fee to the client?
No insurance rule we found requires it for a lending referral. We provide a written disclosure of any referral fee so you can give it to your client, and on New York financings of $2.5 million or less we disclose it to the client ourselves.
Will Batch Capital sell my client insurance?
No. Batch Capital funds and places financing. The insurance relationship stays yours.
My client is adding trucks to the policy. Can you finance them?
Yes. Equipment financing for trucks, trailers and machines runs 2 to 7 years against the equipment itself, and a working capital advance can cover the down payment or registration costs.
Referral partners

Introduce the Client. We Will Call Today.

One introduction, a same-day read on the file, and offers across every product the client qualifies for.

Become a Referral PartnerCall +1 (201) 862-4048
Matt Curran
Reviewed byMatt CurranDirector of Batch Capital
Last updated

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.

Become a referral partner