Turn Existing Clients
into Additional Income
Keep 100% of your premium finance income — and run it on a platform built around accounting integrity from day one. Whether you want to add a revenue stream from existing clients or replace a finance workflow that is slow, manual, and disconnected from your accounting, Marathon handles both. No third-party lender taking your margin. No duplicate entry. No reconciliation that never quite balances.
See It In Action
Watch the System Demo
See exactly how the Premium Financing module works before you ever talk to us.
Competitive Comparison
In-House vs. Third-Party vs. Stand-Alone: How Marathon Compares
Most agencies leave premium finance income on the table by using third-party companies. See exactly what you gain by running it in-house with Marathon.
| Feature / Capability | Marathon PF Integrated — in your AMS | 3rd-Party Lender AFCO / Imperial / FIFC | I.Q. PF Stand-alone software | PremFina SaaS stand-alone | AMS + PF Module e.g. Applied Epic add-on | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue & Profitability | ||||||||||
| Agency retains 100% of finance income All finance charges, interest, and fees stay with your agency | ✔Every dollar stays with you | ✕ 3rd party keeps finance income; you earn a small referral only |
✔ | ✔ | ✔ | |||||
| No per-agreement fees to an outside lender No revenue share or lender fees eating into your margin | ✔Flat subscription — no per-deal cost | ✕ 3rd party takes the bulk of each agreement's value |
✔ | ⚠ Per-agreement transaction fees may apply |
⚠ Additional module cost on top of AMS |
|||||
| You set the finance terms, rates & fees Full control over interest rates, payment schedules, and service charges | ✔Fully configurable by your agency | ✕ Rates set by 3rd-party lender |
✔ | ✔ | ⚠ Limited flexibility within module |
|||||
| Low, predictable operating cost Overhead stays low so finance income converts to net profit | ✔One subscription covers everything | ⚠ No software cost, but revenue heavily diluted |
⚠ Separate monthly fee + your AMS cost |
⚠ Subscription + per-transaction costs |
✕ High combined AMS + module cost |
|||||
| Client Relationship & Control | ||||||||||
| Your agency's name on all agreements Finance agreements carry your branding — not a third party's | ✔ | ✕ 3rd-party branding on all documents |
✔ | ✔ | ✔ | |||||
| Clients deal only with your agency No redirecting clients to an outside company for billing or disputes | ✔Full client ownership retained | ✕ Clients redirected to 3rd-party for billing & collections |
✔ | ✔ | ✔ | |||||
| You control cancellation decisions Missed payments handled on your terms — not a lender's aggressive policy | ✔Grace periods & rules fully configurable | ✕ 3rd party can cancel policies quickly, damaging client relationships |
✔ | ✔ | ⚠ Varies by configuration |
|||||
| Operations & Integration | ||||||||||
| Integrated inside your Agency Management system Premium Finance runs in the same platform as your AMS — no switching | ✔One login — AMS + PF unified | ✕ External process entirely |
✕ Separate platform — separate login |
✕ Separate platform — separate login |
⚠ Same AMS vendor, separate billing module |
|||||
| Shared client database — zero duplicate entry Client data from Agency Management flows directly into PF — no re-keying | ✔One record — used everywhere | ✕ Manual hand-off of client data |
✕ Full re-entry in separate system |
✕ Full re-entry in separate system |
⚠ Same AMS data, but separate workflow |
|||||
| Automated billing & payment tracking Installment schedules, payment reminders, and delinquency alerts — automated | ✔Fully automated — built in | ✔ Handled by 3rd party (not you) |
✔ | ✔ | ⚠ Basic; limited automation |
|||||
| Revenue & agreement reporting Track income, active agreements, and outstanding balances in real time | ✔Full reporting suite included | ⚠ Limited visibility into 3rd-party data |
✔ | ✔ | ⚠ Basic module reports only |
|||||
| Cloud-hosted (no install required) Browser-based — no server or software to maintain | ✔ | N/A | ⚠ Varies by version |
✔ | ✔ | |||||
| Reconciliation & accounting-first architecture Finance built from the ground up — not bolted onto a CRM or policy tracker | ✔Finance-first since 1982 — 100 accounts/day at peak | ✕ External process — no operational visibility |
⚠ Basic reconciliation tools |
⚠ Limited accounting depth |
⚠ Depends on AMS accounting architecture |
|||||
| Full transaction audit trail — no deletes Every entry is permanent and traceable; corrections create reversals, not erasures | ✔Every transaction preserved — full audit trail | ✕ No visibility into 3rd-party transaction history |
⚠ Varies by implementation |
⚠ Limited audit capability |
⚠ Depends on AMS audit tools |
|||||
| Service & Support | ||||||||||
| No long-term contracts required Month-to-month flexibility — no multi-year lock-in | ✔Never required | N/A | ⚠ Varies by agreement |
⚠ Annual SaaS subscriptions typical |
✕ Annual contracts standard |
|||||
| Ongoing support included Direct support — not a tiered help desk | ✔Included — no extra tiers | N/A | ⚠ Varies by package |
⚠ Tiered support plans |
⚠ Tiered enterprise support |
|||||
| In business since Track record of stability and long-term partnership | 198240+ years serving independent agents | Varies | 2001 | 2015 | 1983 | |||||
Comparison based on publicly available product documentation, feature pages, and industry knowledge as of April 2026. Third-party lender terms (AFCO, Imperial PFS, FIFC) vary by state and agreement. Stand-alone platform details (I.Q. Premium Finance, PremFina) based on publicly available information. Applied Epic is a trademark of Applied Systems. Provided for informational purposes only.
Revenue Potential
See What Premium Financing Could Add to Your Agency
When you finance premiums in-house, you keep the finance charges — instead of sending that income to a third-party lender. Even a modest number of agreements adds up fast.
Adjust the sliders to estimate your monthly and annual revenue based on your agreement volume, average financed amount, and the finance charge rate you set.
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.
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.
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.
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.
Reconciliation Workflow
Built-in reconciliation tools let you match payments, balance statements, and resolve exceptions without leaving the system. Finance and accounting stay in sync — no manual cross-referencing required.
Full Audit Trail — No Deletes
Every transaction is permanent and traceable. Corrections create reversals — the original entry stays intact. That is not a restriction; it is accounting integrity built into the architecture from day one.
Collections & Delinquency Visibility
See overdue accounts, track delinquency trends, and manage collections at a glance. Know your exposure in real time — before small problems become write-offs.
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.
Best of all, it works hand-in-hand with Agency Management — your client data is already there, ready to use.
How It Works
Simple Process, Real Additional Revenue
Start earning premium finance income from your existing clients in just a few steps.
Identify Clients
Use Agency Management data to identify clients who are good candidates for premium financing.
Create Agreement
Generate a finance agreement in minutes. The system handles the terms, documentation, and scheduling.
Automate Billing
The platform automatically schedules installment billing and sends payment reminders on your behalf.
Earn & Track
Monitor your finance income in real time. Watch your additional revenue grow with every new agreement.
Works Seamlessly with Agency Management — or on Its Own
When used together, Premium Financing and Agency Management operate as one Office Suite. Client data flows between both products — eliminating double entry and giving you a complete view of every client relationship.
Already running Hawksoft, Applied Epic, or another AMS you’re not ready to replace? Marathon’s Premium Finance System runs standalone alongside your existing platform — giving you full reconciliation, accounting visibility, and finance automation without a full migration.
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.
- Fully cloud-hosted — no hardware needed
- Onboarding & setup included
- Ongoing support included
- Pricing based on number of users
Have questions? Call us at 708-361-0001 or send a message and we'll respond promptly.
Premium Financing — Top Questions
Common questions from agencies considering in-house premium financing.
Get In Touch
Ready to Add Premium Financing to Your Agency?
Send us a quick message and we'll be in touch within 1 business day.
Matteson, IL 60443
Ready to add a revenue stream? Marathon PFS works integrated with Agency Management — or standalone with your current AMS.