Quick Funding
Bind coverage without waiting on paperwork. Same-day and next-day funding on approved finance agreements keeps your clients protected from day one.
Insurance Premium Financing
Premium finance built around your agency.
Southern Access Capital funds Property and Casualty insurance premiums for independent agents and MGAs across Alabama, Mississippi, Georgia, and Louisiana. Competitive APRs, fast approvals, and a Birmingham-based team that answers the phone.
What agents expect
Fast funding. Flexible terms. Real service.
Three things independent agents consistently ask of a premium finance partner. We deliver on all three.
Flexible Monthly Payments
Protect client cash flow with monthly, quarterly, and semi-annual schedules, ACH auto-drafts, e-payments, and coupon books.
Full-Service Team
No automated attendants or layered voicemail. Real people handle quoting, agreements, billing, and cancellation holds directly.
We believe businesses grow when they stay laser-focused on clients. Agents and insureds need ease of use, fast funding, detailed reporting, and exceptional service. We have built the systems to deliver on all of it.
What clients can expect
Built for agents. Loved by customers.
Every feature of our premium finance platform works hard for both sides of the relationship.
For Insurance Agents
- Write more policies with flexible financing options
- Online quoting for quick turnaround
- Detailed reporting for production and retention
- Experienced professionals on every account
- Streamlined funding and account setup
- Higher annual retention and reduced billing cost
- E-submission and e-signature agreements
For Customers
- Limited paperwork and simple sign-up
- Flexible monthly payment terms
- Multiple payment options including ACH and card
- Friendly, U.S.-based staff on every call
- Personal and commercial P&C policies supported
- Automatic payment reminders
- Mobile-friendly account access
Why agents choose us
Five reasons to partner with Southern Access
The independent agencies and MGAs we work with consistently point to the same five advantages.
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Timely and Responsive
In today's market, business moves fast. Our team responds quickly to quotes, billing questions, and general account inquiries so nothing stalls.
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Reliable Service
Agents rely on us for premium financing. We personally manage accounts, approve agreements, process invoices, and send ACHs on schedule.
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Convenience
Account status and payment history are accessible online 24/7. When more help is needed, our team is reachable by phone or email during business hours.
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Simple Process
No minimum premium requirements. No long-term contracts. Submit a finance agreement and we handle the mailing, billing, and collections.
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Flexibility
Customers receive installment plans that match cash flow. Adjustable down payments, number of installments, coupons, invoices, e-payments, and ACH drafts.
Where we lend
Licensed across the Southeast
Southern Access Capital is a licensed premium finance lender serving independent agents and MGAs in four states.
Alabama
Mississippi
Georgia
Louisiana
Frequently asked
Common questions from agents and customers
Premium financing is the process of financing an insurance policy, similar to how someone finances a home or vehicle. A down payment is required and the remaining balance is spread across equal monthly installments.
Your customer login information is printed at the top of your Notice of Acceptance and on every billing statement.
Billing methods can be updated online under the terms section of the account, or by emailing our team directly.
Ready to take the next step?
Connect with our Birmingham team to explore premium finance options for your agency or policy.