2014
Year Founded
About Our Company
A premium finance partner with a Southern backbone.
Southern Access Capital is a privately owned and operated premium finance company providing billing and funding services for Property and Casualty insurance policies. We work exclusively through independent agents and MGAs.
Our story
From a gap in the market to a Southeast-wide solution.
Southern Access Capital was founded in 2014 by Frank and John Petrusnek. The idea started when Frank was searching for financing on a workers' compensation policy and could not find a lender offering the flexibility his business required. That gap in the premium finance market became the foundation of the company.
Since funding our first policy, we have expanded to serve independent agencies, MGAs, and their customers across four states. Along the way we have learned one thing clearly: premium finance is a people business. Every client is as unique as their fingerprint, and the quality of the relationship matters as much as the quality of the terms.
Today our team continues to adapt the product to fill gaps in the insurance market. We look forward to meeting new people and building long-term relationships in every community we lend in.
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.
Headquarters
Rooted in Birmingham. Connected across the Southeast.
Southern Access Capital is headquartered in Birmingham, Alabama. A local presence gives us a clear view of the Southeastern insurance market and the communities we lend in. Customers, agents, and MGAs can expect the same industry-leading service whether they are in Mobile, Jackson, Atlanta, or New Orleans.
2301 Arlington Avenue South, Suite 300, Birmingham, AL 35205
Monday through Friday, 9:00 AM to 5:00 PM Central
4
States Licensed
P&C
Policy Specialty
Local
Birmingham Team
Why choose us
A premium finance company agents trust.
Choosing a premium finance partner is a major decision. The lender plays an important role in the insurance purchasing process, and independent agents need a partner that behaves like an extension of the agency.
Competitive Rates
Flexible terms with APRs structured for commercial and personal P&C policies across the Southeast.
User-Friendly Platform
A clean, responsive site makes it easy for clients to quote, manage accounts, and make payments on any device.
People First
Local, U.S.-based staff ready to answer questions. No automated attendants. No layered voicemail.
Balanced for Both Sides
Service to customers is non-negotiable. Benefits to agencies, like reduced billing cost and higher retention, are built in.
Unique Opportunities
When customers need additional resources for coverage, we help unlock options that keep policies in force.
Scale Without Friction
As agencies grow, our infrastructure grows with them. No renegotiations, no long-term contracts, no red tape.
Ready to take the next step?
Connect with our Birmingham team to explore premium finance options for your agency or policy.