we grow the agencies that insure america

YOUR HONOR

At Honor Capital, our mission has always been to grow the agencies that insure America. Since our founding in 1948, the company has been a pioneer in the premium finance industry.

Today, we stand as one of the largest closely held, independent “non-bank” premium finance companies in the United States, and we’re honored to be the fourth largest overall. 

But our mission goes deeper than scale. We pour our attention into the details that support our agents, knowing that when the details are right, the big results take care of themselves.

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THE THREE Ts HONOR SYSTEM 

TAILORED PROGRAMS, AN OLD WORLD TOUCH & LEADING-EDGE TECHNOLOGY

expansiveCards

  • A construction worker wearing a yellow helmet and white shirt working on a wooden roof frame with a hammer against a blue sky with white clouds.

    TAILORED

    Flexible terms and payment options for all contract sizes in commercial and personal lines. Competitive, customizable programs. Branding and cross-marketing services included at no extra cost. Innovative offerings to boost policy renewals, retention, and agency reach.

  • A man wearing safety glasses and ear protection working on a woodworking project in a workshop.

    TOUCH

    Upholding honor and integrity in our operations. Highly trained professionals with an average of 18 years of experience. Online tools provide 24/7 real-time access for direct agency and market decision-making. Nationwide service across all states.

  • Person signing a document on a tablet using a stylus.

    TECHNOLOGY

    Industry-leading InsureTech powered by the Honor Capital family. Integrated API solutions designed for seamless connection with agency management platforms. Secure e-signature and online payment capabilities included. Customizable technology built to support agency workflows, efficiency, and growth.

THE HONOR CAPITAL FINANCE SYSTEM

  • Honor and integrity in everything we do—every day!

  • Cure for Cancel: A program designed to reduce cancellation rates

  • Electronic signature

  • Credit card down payments

  • Super-fast finance agreements—create finance contracts in 3 minutes or less!

  • Customized referral fee programs for agents (in states where permitted)

  • Continually expanding product offerings designed to enhance agency profitability

  • The most highly trained, loyal, committed professionals in the finance business—average tenure of 18 years

  • Innovative, state-of-the-art website—streamline your operation and improve efficiency through our Agency Dashboard and Immediate Account Access feature

Map of the United States showing the locations of four company headquarters with arrows pointing to different regions: Northeast headquarters in Springfield, MA; Southeast headquarters in Sunrise, FL; Southwest headquarters in Dallas, TX; West Coast headquarters in Newport Beach, CA.

LICENSED NATIONWIDE

LET’S INSURE AMERICA.

Person dressed as a waiter holding a tray with four glasses of white wine, wearing a tuxedo with a bow tie and gloves, standing in front of a bar with bottles and glasses.

your upgrade begins the moment you switch.

Honor Capital can have you set up in minutes. No more navigating anonymous call centers — our personal concierge service gives you a direct contact at Honor Capital. You know who you are calling…and we know you. First class and tailored. It’s the only way to do business.

HONOR CAPITAL BY THE NUMBERS

America runs on the innovation and dedication of independent businesses, entrepreneurs and tradespeople. We’re here to help you grow your agency and provide the coverage you need with terms that work for you. Let’s work together to keep America going strong.

  • Founded: 1946

  • Licensing: Nationwide–all 50 states and Washington D.C.

  • Premiums Financed: Exceeding $4 Billion

  • Credit Quality: AAA Rating

  • Industry Ranking: Fourth largest premium finance company in America among hundreds of competitors

  • Loan Range: $250.00 - $25 Million

  • Principal Losses: 0.65% of Origination Volume

  • Financing Structure: Securitization

  • Average Tenure of Professional Staff: 18 Years

  • Portfolio: All commercial insurance, personal lines and life insurance policies

What People Are Saying

  • "For over 13 years I have worked with several premium finance companies and none compare to Honor Capital. They have set the bar to unparalleled levels for both systems and personal service."

    Joe
    Deerfield, FL

  • "We are proud to be with this finance company. Every staff member is pleasant, professional, and knowledgeable. Keep up the innovations!"

    Titania
    LSP
    Mt. Vernon, NY

  • “Change can be scary for our producers, but the value offered from Honor was so clear.  We embraced the seamless transition and have never looked back."

    Karen
    Atlanta, GA

  • "The industry is changing and therefore the combination of customized service with smart tech is what my agents need to compete.  I'm glad my Honor rep was persistent and showed us the difference in premium finance companies."

    John
    Ft. Worth, TX

  • "Our agency has been in business for 19 years and I can say that Honor Capital is the top finance company that we have worked with offering world-class service to our producers and clients."

    Jack
    Coral Springs, FL