Premium Financing
The Full PFA Lifecycle. From First Payment to Final Recovery.
Functional Finance handles the operational mechanics of premium finance from agreement origination through earned premium recovery: so your team focuses on portfolio growth, not on the steps in between.
functionalfi.com/finance
$2.1M
156
98%
61%
77%
45%
Automated compliance notices
Faster earned premium recovery
Borrower self-service adoption
What Finance Companies Are Managing
Premium Collection Is Only the Beginning
Cancellation Notices on State-Specific Timelines
Earned Premium Recovery Requires Data You Do Not Have
Commission Clawback Across Hundreds of Agents
Every Dollar Is AR and AP at the Same Time
What Running on FF Looks Like
Precision at the Policy-Finance Intersection
01
Notices go out automatically
State-compliant cancellation notices fire to the right parties on the required timeline. No manual trigger, no missed deadlines.
02
Earned premium calculated from live data
When a policy cancels, the earned/unearned split calculates against live policy data. No manual request to the carrier.
03
Your borrowers manage themselves
Borrowers view their payment schedule, update payment methods, and check agreement status without calling your team.
The FF Platform for Premium Finance
Built for the Insurance Finance Lifecycle
Contract Flow
The premium finance lifecycle platform. Agreement origination, repayment scheduling, payment processing, delinquency management, cancellation coordination, and earned premium recovery: built specifically for insurance, not adapted from a generic lending system.
Learn more about Contract FlowFinance Portal
Your operational dashboard. Manage agreements, track collections, monitor portfolio health, and run settlement workflows across your full book from one interface.
Your Infrastructure or Ours
Use FF's payment rails, or bring your own processor, your own bank, your own acquirer. Either way, billing and payments stay in sync through one abstraction layer. No rip-and-replace required.
What Changes for Your Portfolio
Six Things That Are Different When Your Agreements Run Here
Clean Agreements From the Start
Notices That Go Out Without Manual Triggers
Earned Premium Without the Phone Call
Clawback That Tracks Itself
Collections Work You Can Actually Manage
Portfolio Health That Is Not a Lagging Report
Free Tool
Model Your Finance Portfolio
The Finance Business Modeler lets you map your agreement volume, average financed amount, payment failure rate, and recovery assumptions to see projected cash flow, portfolio yield, and loss scenarios. Run it against your actual book or use it to evaluate a new distribution channel before committing.
Open the Finance ModelerFinance Business Modeler
Schedule a Demo
Premium finance runs on precision. Your platform should too.
Drop your email and we will be in touch. No sales call required.