People shaking hands in the office

Agency Lending

People shaking hands in the office

Agency Lending

Wintrust Insurance Banking


Our dedicated insurance banking specialists know this industry well. They take the time to understand each agency’s unique needs, in order to provide consultative guidance on the right financial solutions to help agents and brokers grow their business. We also offer so much more. Through our parent company Wintrust, you’ll have access to our full suite of financial solutions, including premium financing. You won’t have to look anywhere else for the sophisticated tools, like the ones below, that help you run and grow your agency.

We offer your agency: 

  • Insurance premium financing
  • Multi-million-dollar senior loan facilities, including lines of credit and term loans
  • Competitive rates and flexible terms
  • Simpler and faster financing
  • Customized options
  • An understanding of your enterprise value and cash flow nature of your business
  • Loan syndications capability when loan facilities approach $50 million+
  • Participation in multi-bank jumbo debt facilities
  • Employee stock ownership plan financing
  • Small Business Administration financing
  • Treasury management and depository services, and corporate credit cards
  • Wealth management and 401(k) services

Flexible lending and funding solutions for:

  • Business growth
  • New producer hires
  • Team lift-outs
  • Book of business purchases
  • Acquisitions and mergers
  • Agency perpetuations
  • Partner buyouts and shareholder financing
  • Refinancing and recapitalizations
First Insurance Funding - A Wintrust Company


Premium financing designed for you

Our premium financing experts get to know your agency to provide flexible, customized solutions to meet your unique needs, all in one place. To learn more about premium financing services we offer, please visit the FIRST Insurance Funding page.


Maximize your business strategy


Finance your ownership transition


Complex tools to keep your business running

FIRST Insurance Funding and Wintrust Insurance Banking are divisions of Lake Forest Bank & Trust Company, N.A., a Wintrust Community Bank.