# Imperial PFS

> North America's largest premium finance company, delivering legendary client experiences through premium financing, payment innovation, and trusted service\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Kansas City, MO, USA |
| Founded | 1977 |
| Stage | Established |
| Employees | 501-1000 |
| Funding | Bootstrapped |

## Overview

Imperial PFS (IPFS Corporation) is North America's largest premium finance company, providing specialized financial services that enable businesses and individuals to obtain property and casualty insurance coverage while preserving working capital. Founded in 1977 by Tom Charbonneau and four associates as Premium Financing Specialists (PFS) in Kansas City, the company later merged with Imperial Credit Corporation to form Imperial PFS.

Family-owned and not bank-owned, IPFS operates regional offices across the United States, Canada, and Puerto Rico, financing 850,000 loans and USD 17 billion in premiums in 2025 with a 97% customer satisfaction rating. In April 2024, IPFS expanded its market reach by acquiring Stonemark, Inc., a Texas-based premium finance organization serving over 4,000 agencies.

IPFS delivers its "One Platform | One Partner" value proposition through an integrated suite of premium financing and payment tools, serving thousands of insurance agency relationships with a focus on legendary client service and digital innovation.

## Products & services

### One Platform

IPFS's unified premium financing and payment solution combining financing origination, payment collection, and account management in a single integrated environment.

**Key features:**

- Premium finance loan origination and servicing
- eForms and eSignature capabilities
- Agency dashboard with 24/7 account access
- AMS, CRM, and carrier platform integrations

*Target users:* Insurance agents and brokers

### IPFS Payments

Payment collection and processing service enabling flexible installment and down payment options for insureds.

**Key features:**

- AutoPay enrollment and management
- Flexible payment scheduling
- Commission automation
- Cancellation avoidance tools

*Target users:* Insurance agencies, policyholders

### IPFSDirect

Premium billing and funding solution enabling carriers to offer premium financing directly through their own branded channels.

**Key features:**

- Carrier\-branded financing programs
- Direct policyholder billing
- Automated reconciliation

*Target users:* Insurance carriers, wholesalers

### IPFS TotalPay

Payment aggregation tool consolidating multiple payment streams for agencies managing large premium volumes.

*Target users:* High\-volume insurance agencies

### AndDone

Digital workflow and payment platform offering embedded premium finance and payment capabilities. Partnered with Dyad in January 2026 to integrate with the ALIS DX platform for MGAs, wholesalers, and program administrators.

*Target users:* MGAs, wholesalers, program administrators

### IPFS Connect

Mobile application providing clients with on-the-go access to account management, payment processing, and policy information.

**Key features:**

- Available on iOS and Android
- 24/7 account access
- Payment processing and AutoPay enrollment

*Target users:* Insurance agents and policyholders

## Category & focus

- Subcategories: Insurance Premium Financing, Payment Processing
- Insurance verticals: P&C Commercial, P&C Personal, Specialty/E&S
- Target customers: Agents/Agencies, Brokers, Carriers, MGAs/MGUs

## Notable customers

- Insurance agencies and brokerages \(thousands of relationships\)
- Insurance carriers
- Wholesalers and MGAs
- Individual policyholders

## Links

- Website: <https://www.ipfs.com>
- Directory profile: <https://insurtechlist.com/companies/imperial-pfs/>
- Linkedin: <https://www.linkedin.com/company/imperial-pfs>
- Blog/news: <https://blog.ipfs.com/news>

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*Last updated: 2026\-06\-03*