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 * Checking
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   * Open an Account
   * Retail / Smart
   * Seasonal
   * Kids’ First
   * Retail Money Market
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   * 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
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 * Resources
   * Blue & Gold News
   * Calculators
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   * FDIC Information
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   * Upcoming Trips

 * Checking
   * Checking Overview
   * Comparison Chart
   * Basic Business Checking
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   * 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





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