1
Step One
Set Up Account
Agency becomes a client of Southern Access Capital.
Premium Finance Solutions
Capital upfront. Coverage without the wait.
Southern Access Capital provides competitive APRs and full-service premium financing for commercial and personal P&C policies. We put capital upfront so policies bind on time, then manage the entire billing life cycle from issuance to payoff.
How it works
Four simple steps to premium financing
From account setup to funded policy, the process is purpose-built to minimize paperwork and keep coverage on schedule.
2
Step Two
Finance Agreement
Agent and customer sign the premium finance agreement.
3
Step Three
Send Agreement
Signed agreement is sent to Southern Access Capital.
4
Step Four
SAC Verifies & Funds
We verify the policy and fund the premium.
Your coverages, our solutions
Property and casualty coverages we finance
We support a broad range of commercial and personal P&C insurance products. If you do not see a coverage listed, reach out to our team.
Commercial Property
Business Owners
Homeowners
Professional Liability
Cyber
Cargo
Dwelling
Liquor
Directors & Officers
Commercial Auto
Mobile Home
Inland Marine
Errors & Omissions
General Liability
Physical Damage
Package
Excess Liability
Workers' Compensation
Platform features
Everything an agency needs, under one login.
Our cloud-based platform lets agents and customers quote, manage, and pay from any device. Every feature is designed to reduce friction and keep policies in force.
Payment Options
Flexible terms for paying insurance premiums monthly, quarterly, and semi-annually.
Cancellation Prevention
Proactive communication on account status and payment assistance to keep policies active.
Service
Dedicated team members deliver timely responses on quotes and account questions.
Mobile Site
View accounts or make payments from any device. No app download required.
Billing Options
Monthly auto-drafts, invoicing, and coupon books. Pick what fits the client.
Account Management
Self-service account management so users can make updates at any time.
Reporting
Run reports to gather data, track production, and manage accounts with precision.
Quoting
Quickly produce a premium finance quote that matches the underlying policy.
E-Signature
Sign premium finance agreements and endorsement requests digitally.
Ready to take the next step?
Connect with our Birmingham team to explore premium finance options for your agency or policy.