Live and quoting in 6 states — TX, CA, FL, IL, NC, SC →

For independent agents & partners

Strengthen client relationships. Grow your agency.

Most of your commercial clients are juggling premiums, receivables, and payroll with three or four different vendors. Patch brings it under one roof. Premium finance, working capital, and early pay programs — all through one partner, all through you.

Book a 15-min intro →See the platform

Live and quoting todayCo-exists with your PF partner

Premium finance

ClientIronwood Construction LLC

Premium$15,800

Down · APR · Term25% · 8.4% · 9 mo

Monthly payment$1,366

DecisionApproved · 22 min

Working capital

Advanced$84,200

Invoices14 unpaid · 48 hr funding

StatusIronwood cleared payroll Friday — 47d early

Early pay

Enrolled38 crew

AccessEarned wages

StatusLive this week

Licensed in 6 states

TX · CA · FL · IL · NC · SC

Premium finance live today

Quoting Monday, no waitlist

Same-day quotes

Including surplus and non-standard accounts

Three products, one partner

Products your clients really need

What this means for your agency

Three products. Three reasons clients stay with you.

Patch gives your agency more ways to show up for commercial clients — without asking you to change anything about how you already run your book.

For your agency

Premium finance

Built for you — to win and keep the commercial accounts you fight for.

For your clients

Working capital + Early pay

Built for them — to run the business you just helped them protect.

01 / Retention

Stronger client relationships.

When you solve their premium, receivables, and payroll problems, you’re their financial partner — not just their insurance agent. Harder to poach, easier to renew.

02 / New business

More reasons to say yes.

Lead with premium finance, introduce working capital and early pay when the conversation gets there. Every account review becomes an opening.

03 / Economics

Real compensation, built around your agency.

Fair premium-finance economics on every deal, plus partner compensation when clients enroll in working capital or early pay. Your book pays you more.

The Patch Platform

One partner for the cash flow problems every SMB has.

Premium finance is the anchor. Working capital and early pay make every client conversation worth more — whether they finance with us or not.

Premium financeLive today

Premium finance

Finance your clients’ insurance premiums so they can protect their business without draining cash reserves. Same-day decisions, flexible terms, fair economics for your agency.

Same-day

Decisions on most submissions, including surplus and non-standard accounts.

Same-day decisions

Most submissions quoted within the hour

Surplus and non-standard

Treated like any other submission, not a specialty

Fair agency economics

Competitive rates paired with compensation you can explain to a client

No carrier conflicts

Co-exists with your existing PF partner

Works with your AMS

Integrates with the platforms you already use

No volume minimums

Partner on one account or fifty — same terms, no gatekeeping

Working capitalNew

Working capital solutions.

A new reason to call the clients you’ve already bound. Invoice factoring turns their unpaid receivables into same-week cash — and gives you a quarterly conversation that has nothing to do with renewal pricing.

53 days

Average wait for a U.S. business to get paid on an invoice. Factoring closes that gap to days.

Source: Crestmont Capital, 2024

A new reason to call

Cash flow is a conversation every commercial client wants to have

Partner compensation

Your agency is paid when a client enrolls — recurring, not one-time

No pricing pressure

Talks that aren’t about premium make you harder to shop

Same-week funding for clients

Invoices turned into cash in days, not months

No minimum monthly volume

Use it for one big job or every invoice

Available to any agency

Works whether or not they finance with Patch

Early paySummer 2026

Early pay programs.

Earned-wage access, low-cost workplace loans, and a fee-free payroll card — bundled for the labor-intensive SMBs you already insure. The employer pays nothing. Their workers stop leaving over small cash crunches.

Workers stop quitting over small cash crunches.

Earned-wage access plus low-cost workplace loans means hourly crews aren’t walking away over an $800 gap. Retention is real money for the labor-intensive businesses you already insure.

Zero cost to employers

Your clients pay nothing to offer the programs

Reduces turnover

Your clients keep crews longer when small cash gaps don’t turn into resignations

Drops hiring + training load

Less time re-staffing, more time running the business

Earned-wage access

Workers tap wages they’ve already earned before payday

Low-cost workplace loans

Payroll-deducted, no payday-lender fees

Turnkey enrollment

Workers onboarded in minutes, not weeks

The five products inside the Patch platform

Premium finance

Finance your clients’ insurance premiums.

Live today

Invoice factoring

Turn unpaid invoices into same-week cash.

New

Earned wage access

Workers tap wages they’ve already earned.

Summer 2026

Workplace loans

Payroll-deducted loans, no payday fees.

Summer 2026

Payroll card

Fee-free debit card, loaded on payday.

Summer 2026

Founding Partners Program · Coming soon

Get in before the crowd. Keep the economics.

We’re building a program for the first agencies to partner with Patch. Preferred terms, early access to new products, and a direct line to the team.

Reach out to learn more →

What Founding Partners get

Preferred economics, locked

Rates you can count on while we grow together.

Priority access to new products

Factoring first, then early pay — you get the call before anyone else.

Dedicated onboarding contact

A named human, not a support queue.

Let’s talk

Let us show you what the economics look like for your agency.

No pitch deck. No pressure. A 15-minute call to walk through premium finance rates, partner compensation, and how the broader platform fits your book.