CAPITAL PREMIUM is recognized as a leader in service and trusted partner in the premium finance loan industry. The Company pr ... ovides short‐term, collateralized financing to facilitate the purchase of insurance for commercial property, casualty, and liability risk. The Company has been engaged in an aggressive program to establish its footprint throughout the rest of the U.S., and currently maintains a regional marketing and central operations structure that services clients in all 50 states. CAPITAL is generally known among insurance agencies for the unusually high level of service it offers its agency clients and their customers. CAPITAL PREMIUM endlessly seeks to enhance its service offerings to improve retention and penetration. CAPITAL's core group of agencies has been with the Company for over ten years on average. The Company originates loans through a network of over 5,000 active independent insurance agencies located throughout the country. The Company's historical geographic emphasis has been in the western U.S.; however the Company’s Midwestern and Eastern marketing regions in the U.S. have experienced rapid growth in recent years. CAPITAL PREMIUM is a specialty lender that provides financing for certain types of insurance premiums paid by commercial enterprises. CAPITAL has built an excellent reputation for service and product innovation. Insurance premium financing is the business of extending credit to a policyholder to pay for premiums when the carrier requires payment in full at inception of coverage. Retail insurance agents are the point of sale, producing premium finance agreements by financing the insurance policies that they sell. Agents use financing as another closing tool which benefits the policyholder who is strapped for cash, or who simply wishes to spread their insurance expense throughout the year. read more