Product Two · The Marathon System

Turn Existing Clients
into Additional Income

Premium Financing is all about making additional income from your existing clients. Our software helps you maximize profit by minimizing expenses — without adding new clients.

Sample Monthly Premium Finance Revenue
Finance Agreements+$1,240
Interest Income+$890
Processing Fees+$320
Operating Expenses−$180
Net Additional Revenue
from existing client base
$2,270
Illustrative example. Results vary by agency size and client base.

What Is Premium Financing?

Earn More From the Clients You Already Have

Premium Financing allows your agency to offer clients a way to pay their insurance premiums in installments rather than one lump sum. Your agency earns income from the financing arrangements — with minimal additional overhead.

The Marathon System's Premium Financing software makes this process simple, automated, and profitable. Our platform handles the agreements, billing, and tracking — so you can focus on growing relationships, not managing paperwork.

Premium finance is all about making additional income from your existing clients. Our premium finance software will help you maximize profit by minimizing expenses.

Best of all, it works hand-in-hand with Agency Management — your client data is already there, ready to use.

💰 Premium Finance
Jan
$1.8k
Feb
$2.2k
Mar
$2.7k
Apr
$3.0k
Active Finance Agreements
This Quarter
47

Features

Everything You Need to Run Premium Finance

Our software automates the complex parts so your team spends time selling, not processing.

💰

Finance Agreement Management

Create, track, and manage premium finance agreements for your clients. The system handles all the documentation and scheduling.

🔄

Automated Billing

Automate installment billing and payment reminders. Reduce manual follow-up and minimize late payments with scheduled billing cycles.

📈

Profit Maximization

Structured to help you maximize finance income while keeping your operating costs low. Built specifically to increase your agency's bottom line.

📊

Revenue Reporting

Track finance income, active agreements, payments received, and outstanding balances with detailed, customizable reports.

🔗

Agency Management Integration

Client data from Agency Management flows directly in — no duplicate data entry. One platform, two powerful products working as one.

⚙️

Customizable Terms

Configure finance terms, interest rates, and payment schedules to match your agency's specific offerings and state requirements.

📋

Client-Facing Agreements

Generate clean, professional finance agreements for clients. Maintain a complete record of all signed documents in the system.

🔔

Payment Tracking & Alerts

Stay on top of every payment. Automatic alerts notify you of upcoming due dates, missed payments, and completed agreements.

☁️

Cloud Hosted Access

Access your premium finance operations from any device, anywhere. All data is securely hosted and always available.

How It Works

Simple Process, Real Additional Revenue

Start earning premium finance income from your existing clients in just a few steps.

1

Identify Clients

Use Agency Management data to identify clients who are good candidates for premium financing.

2

Create Agreement

Generate a finance agreement in minutes. The system handles the terms, documentation, and scheduling.

3

Automate Billing

The platform automatically schedules installment billing and sends payment reminders on your behalf.

4

Earn & Track

Monitor your finance income in real time. Watch your additional revenue grow with every new agreement.

Revenue Potential

See What Premium Financing Could Add to Your Agency

Even a modest number of finance agreements can generate significant additional monthly income. Use the calculator to estimate your potential revenue based on your client base.

Our software is designed to minimize your overhead so that the income you generate stays as profit — not as additional operating expense.

25 agreements
$1,500
Estimated Monthly Finance Revenue
$937
Estimate only. Actual results vary by agency, state, and agreement terms.

Works Seamlessly with Agency Management

Premium Financing and Agency Management are designed as one Office Suite. Client data flows between both products — eliminating double entry and giving you a complete view of every client relationship.

Learn About Agency Management → Contact Us

Pricing

Simple, Straightforward Pricing

No surprise fees. No long-term contracts. Just a straightforward monthly subscription — contact us and we'll put together a quote tailored to your agency.

💰

Premium Financing

Straightforward monthly pricing designed to keep your overhead low so your finance income stays as profit.

Monthly Subscription
Contact Us for Pricing
No long-term contracts required
  • Fully cloud-hosted — no hardware needed
  • Onboarding & setup included
  • Ongoing support included
  • Pricing based on number of users
Request Pricing →

Have questions? Call us at 708-361-0001 or send a message and we'll respond promptly.

What Agents Are Saying

Trusted by Independent Insurance Agencies

Agents across the country rely on The Marathon System to run their office and grow their revenue every day.

★★★★★

The Marathon System completely changed how we manage our agency. Everything is in one place — customer records, documents, statements. We couldn't imagine going back to the old way.

MG
M. Gagerman
Simply Insurance Agency Owner
★★★★★

Even after two and a half decades of partnership, I’m still impressed by how you evolve with us. Premium finance isn't new to us, but the way this module integrates into our daily workflow is effortless

HIA
Pat and Tim Higgins
HIGGINS INSURANCE AGENCY, INC
★★★★★

We've been with The Marathon System for over 20 years. The support is outstanding and the software keeps getting better. It's the backbone of our entire operation.

SA
Scott Anderson
Anderson Insurance Brokers, Inc. Independent Agency Owner, 20-Year Client
KNOWLEDGE BASE

Premium Financing — Top Questions

Common questions from agencies considering in-house premium financing.

Do I need a license to offer in-house premium financing?
Licensing requirements vary by state. Many states require a premium finance company license or a specific insurance-related lending license to offer installment plans directly to clients. We strongly recommend consulting your state's Department of Insurance or a licensed attorney before launching a premium finance program. Our team can point you to the right regulatory resources.
How does in-house financing compare to using a third-party premium finance company?
With in-house financing, your agency earns the finance charges instead of a third party — turning an expense into a revenue stream. You also maintain full control of the client relationship, payment schedules, and cancellation decisions. Third-party companies can act adversarially (canceling policies quickly on missed payments); in-house keeps that control with you.
What happens if a client misses a payment?
The system automatically flags overdue accounts and tracks delinquency status. You control the grace period, late fee rules, and when — and whether — to issue a notice of cancellation. Because you own the financing, you decide how to handle each situation rather than a third party making that call on your behalf.
How much additional revenue can my agency expect?
It depends on your premium volume and the finance charges you set. As a rough benchmark, agencies typically earn finance charges of roughly 1.5%–3% of financed premium annually. Use the revenue calculator on this page to estimate your potential earnings based on your monthly premium volume.
View All FAQs & Industry Resources →

Get In Touch

Ready to Add Premium Finance Revenue?

Reach out and our team will show you exactly how Premium Financing can generate additional income for your agency.

📞
Phone
708-361-0001
📧
Email
sales@khojant.com
🌐
Website
www.mscflexone.com

Also Explore

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Ready to modernize your agency? The Marathon System has served independent agents since 1982.

Request a Demo → 📞 708-361-0001