www.firstmid.com
Open in
urlscan Pro
67.227.165.77
Public Scan
Submitted URL: https://go.fmagencyfinance.com/e/216522/gn-indep-organizing-for-change/ctfmwn/949991890?h=vQfqKMBBLdqMinm5GVM57aRWLbsPUVKwHF2fs...
Effective URL: https://www.firstmid.com/agency-finance/?utm_source=pardot&utm_medium=email&utm_campaign=indep-organizing-for-change
Submission: On October 13 via api from US — Scanned from DE
Effective URL: https://www.firstmid.com/agency-finance/?utm_source=pardot&utm_medium=email&utm_campaign=indep-organizing-for-change
Submission: On October 13 via api from US — Scanned from DE
Form analysis
3 forms found in the DOM<form class="ROLoginForm" id="pbi-form" action="">
<label class="ROLoginUserNameLabel" for="pbi-username">Username:</label>
<input class="ROLoginUserNameInput" type="text" name="username" id="pbi-username" placeholder="Username">
<label class="ROLoginPasswordLabel" for="password">Password:</label>
<input class="ROLoginPasswordInput" type="password" name="password" id="pbi-password" placeholder="Password">
<div class="login-btns">
<input class="ROLoginSubmitButton logger" type="submit" value="Login" id="pbi-submit">
<br>
<a class="ROLoginEnrollLink" href="https://web13.secureinternetbank.com/pbi_pbi1151/Enroll/071102076/1">Register for Personal Online Banking</a>
<br>
<a class="ROLoginForgotPasswordLink" href="https://web13.secureinternetbank.com/pbi_pbi1151/ForgotPassword/071102076/1">Forgot Password?</a>
</div><!-- .login-btns -->
</form>
POST
<form class="BOLoginForm" method="post" id="remoteBO" action="">
<input type="hidden" name="nmUID">
<input type="hidden" name="nmRTN">
<label class="BOLoginAccessIDLabel">Access ID: </label>
<input class="BOLoginAccessIDInput" name="AccessID" required="" placeholder="Access Id">
<div class="login-btns">
<input class="BOLoginSubmitButton logger" type="submit" value="Submit">
</div>
</form>
POST #
<form class="acsb-form" data-acsb-search="form" enctype="multipart/form-data" action="#" method="POST"> <input type="text" tabindex="0" name="acsb_search" autocomplete="off" placeholder="Unclear content? Search in dictionary..."
aria-label="Unclear content? Search in dictionary..."> <i class="acsbi-search"></i> <i class="acsbi-chevron_down"></i> </form>
Text Content
Skip to Content ↵ENTER Skip to Menu ↵ENTER Skip to Footer ↵ENTER * Personal Banking ► * Checking ► * Open an Account * Checking Overview * Premier Checking * Classic Checking * Interest Checking * Basic Checking * Basic Student Checking * StartNew Checking * Reorder Checks * Overdraft Protection * Savings ► * Open an Account * Retail / Smart * Seasonal * Kids’ First * Retail Money Market * Retail Prime First * IRAs * CD * Health Savings * Borrowing ► * Mortgages * Certified Homebuyer Program * Low Down Payment Mortgage Options * Home Equity * Auto & Consumer * Card Solutions ► * Debit Card * Card Controls * Credit Card * Mobile Wallet * Visa SRC * Gift/Special (Travel) * Lost or Stolen Card * Online Services ► * Online Banking & Bill Pay * Mobile Banking * Telephone Banking * Direct Deposit * eStatements * Resources ► * Blue & Gold News * Calculators * Consumer Alerts * Deposit Rates * FDIC Information * Fraud Information * Identity Theft Information * Online Education Center * Switch Kit * Wire Transfer Instructions * Travel ► * About First Mid Travel * Upcoming Trips * Commercial Banking ► * Checking ► * Checking Overview * Basic Business Checking * Comparison Chart * Business Partner Checking * Commercial Interest * Commercial Analysis * Community Spirit with Interest * Community Spirit * Savings ► * Savings Overview * Money Market * Business Prime First * Employer Health Savings Account * Lending ► * Commercial Lending * Small Business Administration – SBA Loans * Municipal Financing * Healthcare Financing * Ag Lending * Accounts Receivable Financing * Meet our Commercial Lenders * Meet our Ag Lenders * Specialty Lending ► * Agency Financing * Card Solutions ► * Business Debit & Credit Cards * Online & Mobile ► * Business Online Banking * Commercial Online Banking * Mobile Banking for Business * Treasury Management ► * Cash Management – Collecting Funds * Cash Management – Distributing Funds * Managing Funds * Remote Deposit * Lockbox Services * Business Fraud Protection * Merchant Services * Treasury Services Support * Meet our Treasury Management Representatives * Resources ► * Business Blog Articles * Calculators * Consumer Alerts * FDIC Information * Fraud Information * Identity Theft Information * Online Education Center * Switch Kit * Wire Transfer Instructions * Insurance * AG Services * Wealth Management ► * Trusts ► * About Trusts * Revocable Living Trusts * Charitable Trusts * Directed Trusts * Life Insurance Trusts * Special Needs Trusts * Estate Administration * Meet our Trust Representatives * Farm Services ► * Farmland Sales & Auctions * Farm Management * Real Estate Appraisals * Investment Services ► * About Investment Services * Charitable Investments * Education Planning * Asset Management * Investment Strategies * Financial Planning * Meet our Financial Advisors * Retirement Planning ► * Personal Retirement Planning * Employer Retirement Services * Learn More ► * About First Mid Wealth Management * Financial Advisor Opportunities * Personal Document Locator * Scholarship Applications * WebLink 3.0 User Guide * Trust Services Login * About First Mid ► * About First Mid * Contact Us * Locations * Careers * Investor Relations * News & Media ► * Press Releases * Consumer Alerts * Blog Articles * Holiday Hours * Social Media * Contact First Mid Log in to Online Banking Personal Business Personal Banking Login Username: Password: Register for Personal Online Banking Forgot Password? Business Banking Login Access ID: * CHOOSE ANOTHER LOGIN * International Customer Online Banking * ACH Fraud Filter * Lock Box Express * RemitPlus Express * Credit Card Account * Loan Servicing Center * Brokerage Account Login * HSA Consumer Portal * HSA Employer Portal * eClub Checking Benefits * Trust Services * Personal Banking * Commercial Banking * Insurance * AG Services * Wealth Management * About First Mid * Checking * Open an Account * Checking Overview * Premier Checking * Classic Checking * Interest Checking * Basic Checking * Basic Student Checking * StartNew Checking * Reorder Checks * Overdraft Protection * Savings * Open an Account * Retail / Smart * Seasonal * Kids’ First * Retail Money Market * Retail Prime First * IRAs * CD * Health Savings * Borrowing * Mortgages * Certified Homebuyer Program * Low Down Payment Mortgage Options * Home Equity * Auto & Consumer * Card Solutions * Debit Card * Card Controls * Credit Card * Mobile Wallet * Visa SRC * Gift/Special (Travel) * Lost or Stolen Card * Online Services * Online Banking & Bill Pay * Mobile Banking * Telephone Banking * Direct Deposit * eStatements * Resources * Blue & Gold News * Calculators * Consumer Alerts * Deposit Rates * FDIC Information * Fraud Information * Identity Theft Information * Online Education Center * Switch Kit * Wire Transfer Instructions * Travel * First Mid Travel * Upcoming Trips * Checking * Checking Overview * Comparison Chart * Basic Business Checking * Business Partner Checking * Commercial Interest * Commercial Analysis * Community Spirit * Community Spirit with Interest * Savings * Savings Overview * Money Market * Business Prime First * Employer Health Savings Account * Lending * Commercial Lending * Small Business Administration – SBA Loans * Municipal Financing * Healthcare Financing * Ag Lending * Accounts Receivable Financing * Meet our Commercial Lenders * Meet our Ag Lenders * Specialty Lending * Agency Financing * Card Solutions * Business Debit & Credit Cards * Online & Mobile * Business Online Banking * Commercial Online Banking * Mobile Banking for Business * Treasury Management * Cash Management – Collecting Funds * Cash Management – Distributing Funds * Managing Funds * Remote Deposit * Lockbox Services * Business Fraud Protection * Merchant Services * Treasury Services Support * Meet our Treasury Management Representatives * Resources * Business Blog Articles * Calculators * Consumer Alerts * FDIC Information * Fraud Information * Identity Theft Information * Online Education Center * Switch Kit * Wire Transfer Instructions * Trusts * About Trusts * Revocable Living Trusts * Charitable Trusts * Directed Trusts * Life Insurance Trusts * Special Needs Trusts * Estate Administration * Meet our Trust Representatives * Farm Services * Farmland Sales & Auctions * Farm Management * Real Estate Appraisals * Investment Services * About Investment Services * Charitable Investments * Education Planning * Asset Management * Investment Strategies * Financial Planning * Meet our Financial Advisors * Retirement Planning * Personal Retirement Planning * Employer Retirement Services * Learn More * About First Mid Wealth Management * Financial Advisor Opportunities * Personal Document Locator * Scholarship Applications * WebLink 3.0 User Guide * Trust Services Login * About * Contact Us * Locations * Careers * Investor Relations * About First Mid * News & Media * Press Releases * Consumer Alerts * Blog Articles * Holiday Hours * Social Media AGENCY FINANCE WE SPECIALIZE IN LOANS FOR INSURANCE AGENTS. Our Agency Finance team has been providing financing for insurance agents since 2003. If you are ready to grow your insurance agency, buy or sell an insurance agency, our consultative staff is ready to help you. We offer specialized financing products designed to assist insurance agents with the next step in building their future. OUR AGENCY FINANCE PRODUCTS ACQUISITION FINANCING Targeting an insurance agency acquisition? Let us help you grow through acquisition of another agency or a book of business using the seller’s commission revenue, your existing revenue or some combination thereof. Using the seller’s book helps minimize the impact on cash flow of your existing business. Acquisition loans can have maturity of up to 10 years for independent agents and up to 15 years for Allstate agencies. If you are still looking for an agency to acquire, you can search our database here to find insurance agencies for sale. WORKING CAPITAL Need to hire, upgrade your technology, buy leads or spend more marketing dollars? We can provide the needed capital to make that investment into your business. Working capital loans for insurance agents can be in the form of a revolving line of credit or term loan. Revolving lines of credit require interest only payments during the term and there are no unused fees. REFINANCE OR CONSOLIDATE Did you grow your insurance agency on credit card debt? Or has your credit improved and you want to obtain more favorable terms? Refinancing or consolidating your debt can help simplify your balance sheet and reduce your monthly debt obligation. SUCCESSION FINANCING Looking toward retirement? Let us help you put a succession plan in place by providing financing to your successor. Learn more about succession planning here. SPECIAL ALLSTATE PROGRAMS In addition to the loans for insurance agencies above, we have two unique loans for Allstate agents. First Mid Bank & Trust Agency Finance has been lending to Allstate agencies since 2007. Quick App Loans Need cash in a hurry? Our Allstate Quick Application is designed to get you approved within 24-48 hours of application. We need a completed application and three reports from your Allstate dashboard (Commission Payment Notification, TPP Statement and Business Metrics Report). No tax returns or personal financial statement are necessary. Our goal is to make your Allstate agency financing a smooth process. The Quick App program is limited to loans up to $500,000 and up to 120% of vested TPP value. The amount we can lend is dependent on your credit score and TPP value. Our Quick App process can take as few as three weeks from start to finish. TPP Equity Loans Does your Allstate agency need additional capital, but you already have a loan against your TPP? We offer TPP Equity Loans that allow you to fully utilize the value of your TPP while leaving your existing loan in place. In most cases, you can even use our Quick Application process for loans that are less than 90% of your TPP. HOW IT WORKS INITIAL STEPS Call us 877-894-2785 * Call us to talk to our account managers about your specific needs and what products we offer. We can call you * If you want to provide some limited information prior to talking to us, complete our form, and one of our account managers will call you. Email us * You can always email us at agencyfinance@firstmid.com, but we prefer a live conversation so we can ensure that we understand your specific needs, answer all your questions and get you in the best product to achieve your objectives. LOAN PROCESS Submit the application and required documentation * Once you’ve talked to an account manager about your insurance agency financing, you’ll receive an email with the application and information request. You can also find the application here. Credit review * We’ll review your application, ask any follow up questions we may have of you and provide initial feedback on product and loan terms. Our credit review can take as little as one day for certain Quick App loans and will be longer for insurance agency acquisition or more complicated financing scenarios. Credit approval * Once we’ve discussed the best product for you and general terms, we will seek credit approval. Depending on the product and your loan size, approval time will vary. Loan documentation * Once we have loan approval, we will prepare loan documents and get your bank account(s) set up. Much of our insurance agency loan document package is electronic. You’ll have a closing call with us to walk you through the documentation and sign everything. Funding * Together we will handle any closing conditions and fund your loan. The process for loans for insurance agents takes an average of 30-45 days but can be as quick as two weeks for Quick Apps. AFTER MY LOAN CLOSES Post-closing conditions * There may be a few post-closing conditions on your loan that you may need to complete. Automatic loan payment * Your monthly loan payment will be made automatically from your commission deposits. Online banking * You can access your operating account via online banking to view account activity or perform online banking activities such as ACH and wire transfers. GET STARTED First Mid Bank & Trust Agency Finance specializes in loans for insurance agents. If you are ready to grow your insurance agency, buy or sell an insurance agency, our consultative staff is ready to help you. Call to get a quote or obtain additional information about our loan products. CONTACT US Insurance agency lending doesn’t have to be complicated. If you’re ready to start your application, answer a few short questions so we can get you down the right path. START HERE AGENCIES FOR SALE Are you buying an insurance agency? Are you selling an insurance agency? List your agency for sale with us or search our database to find insurance agencies for sale in your area. There is no cost or obligation to list. You can search by state for both independent and Allstate agencies for sale. If you find an agency you want to acquire, contact us to discuss how we can help with the financing. OUR NEWEST LISTINGS: * Independent Agencies: Missouri, Arizona, Georgia, Tennessee * Allstate Agencies: Georgia, California, North Carolina, Nevada SEARCH DATABASE LIST YOUR AGENCY * Agency Finance * Contact Agency Finance * Get a Quote * Meet Our Team: Agency Finance * The Loan Process * Insurance FAQs * Agency Finance Helpful Resources * Contact Us * Locations * Careers * Privacy Policy * Terms and Conditions © 2022 First Mid Bancshares, Inc. · 2022 Routing # 071102076 NMLS # 411170 English Accessibility Adjustments Reset Settings Statement Hide Interface Choose the right accessibility profile for you OFF ON Seizure Safe Profile Clear flashes & reduces color This profile enables epileptic and seizure prone users to browse safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations. OFF ON Vision Impaired Profile Enhances website's visuals This profile adjusts the website, so that it is accessible to the majority of visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others. OFF ON ADHD Friendly Profile More focus & fewer distractions This profile significantly reduces distractions, to help people with ADHD and Neurodevelopmental disorders browse, read, and focus on the essential elements of the website more easily. OFF ON Cognitive Disability Profile Assists with reading & focusing This profile provides various assistive features to help users with cognitive disabilities such as Autism, Dyslexia, CVA, and others, to focus on the essential elements of the website more easily. OFF ON Keyboard Navigation (Motor) Use website with the keyboard This profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements. Note: This profile prompts automatically for keyboard users. OFF ON Blind Users (Screen Reader) Optimize website for screen-readers This profile adjusts the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software that is installed on the blind user’s computer and smartphone, and websites should ensure compatibility with it. Note: This profile prompts automatically to screen-readers. Content Adjustments Content Scaling Default Readable Font Highlight Titles Highlight Links Text Magnifier Adjust Font Sizing Default Align Center Adjust Line Height Default Align Left Adjust Letter Spacing Default Align Right Color Adjustments Dark Contrast Light Contrast High Contrast High Saturation Adjust Text Colors Cancel Monochrome Adjust Title Colors Cancel Low Saturation Adjust Background Colors Cancel Orientation Adjustments Mute Sounds Hide Images Read Mode Reading Guide Useful Links Select an option Home Header Footer Main Content Stop Animations Reading Mask Highlight Hover Highlight Focus Big Black Cursor Big White Cursor HIDDEN_ADJUSTMENTS Keyboard Navigation Accessible Mode Screen Reader Adjustments Read Mode Web Accessibility By Learn More Choose the Interface Language English Español Deutsch Português Français Italiano עברית 繁體中文 Pусский عربى عربى Nederlands 繁體中文 日本語 Polski Türk Accessibility StatementCompliance status We firmly believe that the internet should be available and accessible to anyone and are committed to providing a website that is accessible to the broadest possible audience, regardless of ability. To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to blind people, people with motor impairments, visual impairment, cognitive disabilities, and more. This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs. Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts its functionality and behavior for screen-readers used by blind users, and for keyboard functions used by individuals with motor impairments. If you wish to contact the website’s owner please use the website's form Screen-reader and keyboard navigation Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various behavioral changes, to ensure blind users visiting with screen-readers can read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements: 1. Screen-reader optimization: we run a process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images. It provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts embedded within the image using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website. These adjustments are compatible with popular screen readers such as JAWS, NVDA, VoiceOver, and TalkBack. 2. Keyboard navigation optimization: The background process also adjusts the website’s HTML and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key. Additionally, keyboard users will find content-skip menus available at any time by clicking Alt+2, or as the first element of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, not allowing the focus to drift outside. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements. Disability profiles supported on our website * Epilepsy Safe Profile: this profile enables people with epilepsy to safely use the website by eliminating the risk of seizures resulting from flashing or blinking animations and risky color combinations. * Vision Impaired Profile: this profile adjusts the website so that it is accessible to the majority of visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others. * Cognitive Disability Profile: this profile provides various assistive features to help users with cognitive disabilities such as Autism, Dyslexia, CVA, and others, to focus on the essential elements more easily. * ADHD Friendly Profile: this profile significantly reduces distractions and noise to help people with ADHD, and Neurodevelopmental disorders browse, read, and focus on the essential elements more easily. * Blind Users Profile (Screen-readers): this profile adjusts the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is installed on the blind user’s computer, and this site is compatible with it. * Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements. Additional UI, design, and readability adjustments 1. Font adjustments – users can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more. 2. Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds with over seven different coloring options. 3. Animations – epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions. 4. Content highlighting – users can choose to emphasize essential elements such as links and titles. They can also choose to highlight focused or hovered elements only. 5. Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly. 6. Cognitive disorders – we utilize a search engine linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others. 7. Additional functions – we allow users to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions. Assistive technology and browser compatibility We aim to support as many browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share, including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA (screen readers), both for Windows and MAC users. Notes, comments, and feedback Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating, improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility following technological advancements. If you wish to contact the website’s owner, please use the website's form Hide Accessibility Interface? Please note: If you choose to hide the accessibility interface, you won't be able to see it anymore, unless you clear your browsing history and data. Are you sure that you wish to hide the interface? Accept Cancel Continue Processing the data, please give it a few seconds...