Help More Transactions Move Forward
A client who cannot meet the required down payment may be unable to complete the premium finance transaction. CIDPF gives that business another potential source of capital.
Insurance Premium Finance Companies
Help more commercial insurance transactions get funded.
Premium financing can solve a significant portion of a commercial insurance premium, but the required upfront down payment can still prevent an otherwise viable transaction from moving forward. CIDPF helps businesses address that upfront requirement.
Complementary Financing
Solve the part traditional premium finance doesn't finance.
Premium finance companies play an important role in helping businesses spread commercial insurance costs over time. But even when the remaining premium qualifies for financing, the insured may still need to contribute a substantial amount upfront.
For some businesses, that creates the final obstacle. The client may have the revenue and business activity to support the insurance expense but prefer—or need—to preserve available cash for payroll, fuel, equipment, inventory, hiring, marketing, or other operating expenses.
CIDPF provides a separate business-purpose financing option that may help the insured cover that upfront requirement.
Why Partner With CIDPF
A complementary financing resource for premium finance companies.
Complement Your Existing Financing
CIDPF does not replace traditional premium financing. Your company can continue financing the eligible portion of the premium while CIDPF addresses the client's separate working-capital need.
Answer Down-Payment Requests
When an insured asks, “Can you finance the down payment too?” your team can direct the business to CIDPF rather than simply telling the client that additional cash is required.
Preserve the Finance Opportunity
If the business cannot raise the required upfront amount, the insurance transaction—and therefore the premium finance opportunity—may be delayed or lost.
Simple Referral Process
Your team does not submit financing files to CIDPF or manage the application. The client applies directly through CIDPF's Apply Now page.
Separate Financing Relationship
CIDPF's financing remains separate from your premium finance agreement. We are not replacing or modifying your premium finance transaction.
How It Works
Your team handles premium finance. CIDPF handles the additional capital request.
Identify
Your company is prepared to finance the eligible portion of a commercial insurance premium, but the business still needs to provide an upfront payment.
Refer
Send the business your CIDPF referral link or provide your Referral Partner Code.
Apply
The client completes CIDPF's online Apply Now form. Your team does not email us client information or documents.
Review
CIDPF works directly with the business regarding available commercial financing options.
A Complementary Structure
Two separate financing solutions serving different parts of the transaction.
Commercial Insurance Premium
Example: $100,000
The total annual commercial insurance premium.
Required Upfront Payment
Example: $25,000
The amount the insured must provide before or in connection with the premium finance transaction.
Premium Finance Company
Finances the remaining eligible premium according to its own program, underwriting and agreement.
CIDPF
May provide the business with separate commercial financing to help address the upfront cash requirement.
CIDPF complements premium finance. It does not replace or modify the premium finance agreement.
When CIDPF May Be Helpful
Useful when the required upfront payment becomes the obstacle.
- The insured qualifies for premium financing but cannot comfortably meet the upfront requirement
- The business wants to preserve working capital
- The required insurance down payment is unusually large
- A renewal creates a temporary cash-flow constraint
- The insured asks whether the required deposit or down payment can also be financed
- The inability to produce upfront cash is delaying the transaction
- The business would otherwise need to reduce coverage or seek alternatives because of cash flow
High-Premium Commercial Accounts
Especially relevant where insurance is a major operating expense.
Trucking & Transportation
Fleet and transportation companies with substantial annual insurance obligations.
Freight & Logistics
Businesses balancing coverage requirements with fuel, payroll and operating cash.
Construction & Contracting
Contractors that need required coverage in place to keep projects moving.
Staffing
Labor-intensive businesses managing payroll cycles and commercial coverage requirements.
Manufacturing
Operating companies balancing insurance costs with labor, production and inventory needs.
Other Commercial Industries
Commercial and business-purpose financing only. No consumer or personal-purpose financing.
A Simple Hand-Off
When the issue is the down payment, direct the business to CIDPF.
There is no need for your representatives to become commercial lenders or evaluate the client's broader financing needs. The client applies directly with CIDPF and our team takes it from there.
“The client needs help coming up with the down payment.”
Become a CIDPF Referral Partner
Give your team a simple resource for down-payment requests.
CIDPF can establish your company as a Referral Partner and provide a unique referral code and client application link. Your representatives can use that link whenever an insured needs additional commercial financing. Clients always apply directly through CIDPF.
Unique RP Code
Personal Apply Now Link
Client Applies Directly
Funded Referral Tracking