Ascend — Premium Financing & Payments
Financing your insureds has never been easier.
Ascend handles the full financing lifecycle — so your team serves every financed premium without a separate process, powered by the fourth largest premium financing company in the US.
Trusted by the industry's leading insurance and accounting teams
See case study](/content/customers/marquee-insurance-group-mig-boosted-team-efficiency-decreasing-nocs-by-80 "Marquee Insurance Group"/index.html)
See case study](/content/customers/insurica-direct-streamlined-payments-to-improve-efficiency-by-25 "Insurica"/index.html)
Why Premium Financing & Payments
The only platform where premium financing is native — not bolted on. Built into the same checkout where insureds pay and sign.
Grow revenue without growing work
When financing is built into checkout, it becomes the default. With competitive rates and zero friction, agencies see adoption go up without adding work.
Your team manages one workflow
Every payment method and financing agreement available in a single flow. Insureds choose to pay in full or finance at the point of offer, and your team doesn't manage a separate process for each.
Close the loop with your books
Every cleared payment and originated loan are matched to an invoice and posted back to supported AMS platforms. Accounting begins where collection ends with no manual handoff.
Fewer outstanding balances
Autopay enrollment at checkout means fewer missed payments and less manual follow-up. When 90% of insureds enroll, collections stop being a chore.
Premium Financing & Payments by the Numbers
Powered by the
4th
largest premium company in the US
Increase in financing adoption
12%
when financing is built into checkout
Reduction in NOCs
80%
with autopay and reminders activated
What Premium Financing & Payments does for you
Accept every payment method
Card, ACH, wire, or check — all available within the same branded checkout. Insureds choose their method at time of payment.
Insured can finance or pay-in-full
Financing is presented at checkout — not a separate conversation. When an insured selects a financed arrangement, the loan is funded and serviced in-house.
Issue and collect PFAs digitally
Financing terms are generated automatically based on policy premium and your configured parameters. Insureds review, sign, and submit within checkout.
Self-adjust loan terms
Sell rates, down-payments, and installment schedules are self-adjustable. Revenue-sharing programs activate automatically for eligible policies.
Put payments on autopilot
With autopay enrollment at checkout and scheduled payment reminders, your team doesn't chase down late invoices.
Track payment status across every policy
All payment methods are visible in one place. Payment status — cleared, pending, or overdue — is available without logging into carrier portals or cross-referencing spreadsheets.
Six capabilities that compound into faster collections, fewer cancellations, and a checkout experience that works for every insured.
PLATFORM FOUNDATION
Built to handle payments at scale
The platform capabilities that make Premium Financing & Payments reliable, secure, and connected — across every payment method and every financing arrangement.
Compliance & security
SOC 2 Type II certified. PCI-compliant payment processing. AES-256 encryption at rest, TLS 1.3 in transit. Complete audit trail on every payment event and financing agreement.
AMS & ledger integrations
Cleared payments and funded loans post back to supported AMS platforms. Every transaction logged with timestamp, method, and amount. Commissions and payables stay current without manual entry.
Native collaboration
Outstanding balances are flagged and payment exceptions are escalated without leaving Ascend. Every action is logged with full context, so nothing falls through the cracks.
Open API architecture
Ascend's checkout can be embedded directly into your agency's quoting experience — so insureds never leave your environment, and you control how the experience looks.
Ascend impressed us because it was not just another premium financing company but a finance automation platform that empowered our entire team to be more productive.
Nate Marquardt
President
01 / 03
Marquee Insurance Group (MIG) boosted team efficiency, decreasing NOCs by 80%
Agency](/content/customers/marquee-insurance-group-mig-boosted-team-efficiency-decreasing-nocs-by-80/index.html)
CF&P Insurance Brokers increased financing adoption by 12%
Agency](/content/customers/cfp-insurance-brokers-increased-financing-adoption-by-12/index.html)
How Redman & Company Consolidated Payment Vendors to Reclaim 10+ Hours Per Week
Agency](/content/customers/how-redman-company-consolidated-payment-vendors-to-reclaim-10-hours-per-week/index.html)
Frequently asked questions
What accounting leaders ask about Premium Financing & Payments
01
Are you licensed to offer financing in all 50 states?
Yes, Ascend's financing infrastructure is licensed in all 50 states. Every loan originated through Ascend is funded and serviced by Honor Capital, an Ascend company, which has been running premium finance operations since 1946.
02
How is Ascend different from other premium finance companies?
Most premium finance companies are a separate system, with a separate login, workflow, and follow-up process. Ascend is the only financial operations platform with native premium financing — handling origination, collection, and posting, so your team never coordinates between a lender and your books.
03
How does Premium Financing & Payments connect to the rest of Ascend?
It sits directly downstream from Billing & Invoicing — the moment an invoice is sent, the payment link is live. Collected premiums are matched to open invoices, allowing the full collection-to-reconciliation loop without manual intervention.
Explore the Ascend product suite
Billing & Invoicing
Automate invoice creation, delivery, and collections to get paid faster.
Cash Application
Turn bank deposits into clean, matched accounting entries inside your ledger.
Carrier Payables
Reconcile and disburse carrier payables without manual tracking or spreadsheet workarounds.
Direct Bill Automation
Close books faster with end-to-end automation to fetch, reconcile, and post commission statements.
Explore Direct Bill Automation
See what Ascend can do for you
Book a tailored demo using your actual book and carrier mix. We'll show you what Premium Financing & Payments look like when both are built into the same workflow — and how it connects to the rest of your financial operations.