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Imperial PFS

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

Specialty Solutions Established Bootstrapped
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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

At a Glance

Founded
1977
Headquarters
Kansas City, MO, USA
Employees
501-1000
Funding
Bootstrapped

Category & Focus

Category
Specialty Solutions
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

Customers

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

Links

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Last updated: 2026-06-03