Run your entire premium finance portfolio
When a premium finance agreement is signed, the finance company pays the carrier. The insured repays in installments. Policies cancel mid-term and return premium flows back. Agent commissions split across MGAs and producers. Every one of those events has a precise financial consequence, and most operations are reconciling them manually across spreadsheets and disconnected tools. This platform replaces that.
Step 1 of 5
Contract
The source of truth for every billing event
Amendments, renewals, and lifecycle events tracked in sequence
Operational Reality
Billing and payments shouldn't require constant manual work.
When a contract gets signed, the real operational work begins. Invoices need to go out based on terms that vary by customer. Payments arrive across three different methods. A contract gets amended mid-term. Someone asks if their commissions and other payables were calculated correctly after a partial payment.
The Amendment Problem
A customer changes their payment schedule. Now the invoice sequence is wrong, the commission basis has changed, and reconciliation needs to be rebuilt manually.
The Wire Matching Problem
A $14,000 wire arrives. Which invoice does it apply to? Which line item? Is there a partial balance? Three tools need to be cross-referenced before anyone has an answer.
The Commissions & Payables Problem
Your referral partner asks if their commissions & payables statement is correct. You built it in a spreadsheet. The contract was amended two months ago. You're not sure.
How It Works
From signed contract to settled payment.
Every obligation, every payment, every payable: traced back to the contract that created it.
01
Contract
The signed agreement becomes the source of truth for every billing event. Amendments and renewals update the obligation record, not a spreadsheet.
02
Invoice
Invoices generate automatically on contract terms. Scheduled billing, milestone triggers, and event-based charges. No manual invoice creation.
03
Payment
Payments route through your processor of choice: Stripe, Finix, Increase, or lock-box. Each payment matches to a specific invoice line item.
04
Commissions & Payables
Commission and payable splits calculate per your agreement terms the moment a qualifying payment lands. No spreadsheet, no manual calculation.
05
Reconciliation
Every dollar is matched continuously, not at month-end. Accounting exports to QuickBooks, NetSuite, or Xero carry the full contract reference.
Four Portals
Purpose-built views for everyone in your operation.
Contract Flow isn't one dashboard everyone has to share. It's four focused portals, each designed for the specific job that role does every day.
Merchant
Your complete command center: contracts, payments, reconciliation, and reporting in one place.
Agency
Your partners and agents see exactly what they've earned; without calling you to find out.
Customer
Give your customers a self-service billing portal. Fewer support calls. Faster payments.
Finance
The only platform with a dedicated view for premium financing providers. Tracks every loan, every installment, every early delinquency signal.
Finance Portal
Active Loans
142
Total Outstanding
$3.2M
Delinquency Rate
2.1%
Borrower
Policy
Outstanding
Status
Riverside Auto Group
COM-2024-8821
$44,200
CurrentParkside Dental
GL-2024-4892
$12,600
DelinquentMetro Fitness LLC
WC-2024-3301
$8,100
CurrentEarly delinquency signal: 2 loans flagged for cure workflow
Review
Real-time delinquency signals
Cure workflow built in
Full loan-to-contract traceability
Customer Portal
Payments your customers actually understand.
Every customer gets a purpose-built portal: contract terms, installment schedule, payment history, and a single button to pay. Fewer support calls. Faster collections.
View contract terms and remaining balance at any time, no login call required
Pay by card, ACH, or request wire instructions directly from the portal
Proactive payment reminders before installments are due, not after they lapse
Policy
GL-2024-4892 · General Liability
ActivePremium Loan
$14,400
Next payment: $1,200 on Mar 15
Platform Economics
The numbers that matter to your operation.
Contract Flow is designed to reduce the manual overhead that compounds as you scale. These are the outcomes operators report after the first six months.
94%
Reconciliation automation
Percentage of payment-to-invoice matches resolved without manual intervention.
2.1%
Portfolio delinquency rate
Average early delinquency rate across portfolios using the built-in cure workflow.
< 48h
Commission payable cycle
Median time from payment collection to commission payable settlement for partners.
Figures reflect operator self-reported outcomes. Individual results depend on contract volume, payment mix, and operational workflow. No guarantee of specific performance.
Works Better Together
Contract Flow and Policy Flow are designed to run together.
When a policy is financed, the premium finance agreement is a contract. That contract lives in Contract Flow. The policy lifecycle (endorsements, cancellations, return premium) lives in Policy Flow. The two platforms exchange events in real time.
Policy Flow
Manages the policy lifecycle: endorsements, audits, cancellations, refunds, and return premium. Every policy event that changes the financial obligation propagates to the contract automatically.
Contract Flow
Manages the financial contract: invoice schedule, payment collection, commission splits, and reconciliation. Receives policy lifecycle events and adjusts billing logic without manual intervention.
Built For
Three operators, one platform.
Contract Flow is purpose-built for businesses where an agreement creates a financial obligation that changes over time. These are the three operators who run it every day.
Track every financed policy from funding to final payment.
Your loan portfolio is a collection of contracts. Contract Flow gives you a purpose-built finance portal with delinquency signals, cure workflows, and full loan-to-contract traceability.
Portfolio-level view with aging buckets and delinquency alerts
Merchant-funded financing: offer at checkout, fund on acceptance
Return premium on cancellation traced to the original invoice line
Show agents exactly what they've earned, without the spreadsheet.
Your referral partners and agents need to trust your commission numbers. Contract Flow calculates and pays commissions from the same contract that drove the payment, so every number is auditable.
Commission statements downloadable per period, no manual prep
Real-time earnings dashboard by contract, policy, and payment event
Commission split logic defined at the contract level, not in a spreadsheet
Stand up a new program and have billing live before you finish onboarding.
MGA-administered programs where billing flows from program terms and commission splits run across MGAs, sub-producers, and carriers. Contract Flow handles the financial layer without custom engineering.
Program billing defined at the contract level, not in a spreadsheet
Multi-tier commission splits for MGA, sub-producer, and carrier
Full accounting export to QuickBooks, NetSuite, or Xero with contract reference
Ready to stop managing the patchwork?
Billing, installment collection, return premium, commissions, and reconciliation: all in one place. Built for the financial complexity of insurance premium finance.