Build a Profit Center
From Premium Finance

Tired of little to no commission on the premium financing you arrange?  Sick of having to beg for better terms or rates?  Turn that premium financing into a profit center for your organization – all without any additional work, staff, expensive software to buy, or high fixed capital expenses. For over 30 years we’ve managed and operated premium finance companies from coast to coast. Take control of the entire process by owning your own premium finance company and earn far more than any commission program.

We do all the work, you earn all the profit!

Years In Business
$ 0 +
In Loans Serviced

Put The Profit From
Premium Finance Where It Belongs -
In Your Pocket.

Our clients typically earn $30,000 – $40,000 (before taxes) per million dollars in financed premiums they arrange annually – or more. If you are arranging insurance premium financing for your insureds through a traditional premium finance company, you are throwing away money. With COST, you determine your rates and terms for your premium finance company, and all late and cancellation fee income generated is 100% yours. With our per-account service fee structure, there’s almost no fixed expenses. Contact us today to find out just how profitable our program can be for your organization!

Average Amount Financed MonthlyAverage Account Size Net Annual Profit

The above conservative estimates anticipate no capital investment in your company – investing your own funds will increase profits considerably and in some states, capitalization is required. The profit to be generated from our program is dependent on several variables, including the amount financed, average account size, amount of invested capital vs. borrowed money, float, late charges, rates you charge, etc. We can tailor figures specifically for your organization.

What We Do

When it comes to managing and operating premium finance companies for our clients, the short answer is that we do just about everything -
but here's some more details on what makes up our turnkey solution to owning your own premium finance company. Click to find out more.



Our operations team is the nerve center of your premium finance company. They book accounts, send notices and billing statements, process payments, and more.



Our accounting team manages the policy funding process and prepares monthly accounting reports for you, including P&L statements, balance sheets, banking, and end of year.



We prepare and file the licensing paperwork for your premium finance company, handle yearly renewals and annual reports, and interact with the states on your behalf.



Our online quoting and account platform is easy to learn and easy to use, yet powerful enough to provide features like e-signature, e-billing, and full API integration options.


Customer Service

We treat your insureds with first-class personal service. We provide multiple payment options, including credit cards and ACH. Insureds can pay online or via phone 24/7, 365.



Our collections department will work with you and your insureds to make sure than outstanding balances are paid, and keep you involved in the process every step of the way.

Getting Started

Stop throwing away money using traditional premium finance companies!  We don’t just help our clients create significantly greater income, we’re there every step of the way providing guidance and utilizing over three decades of experience in business to assist you in every aspect of premium financing. 

Setup & Formation

COST charges a nominal one-time setup fee, which you submit along with our contract. You’ll form the company and, if necessary, compile any corporate documents needed for licensing.


If the states you plan to do business in require that your premium finance company be licensed, COST will oversee the entire licensing process, preparing and submitting forms and working with the states.


If you wish to augment your starting capital with a line of credit, COST will make introductions to one of several banks that readily provide funding to our clients, or we’ll work with a lender of your choice.

Setup, Training, & Startup

Once any licenses needed have been obtained and funding established, we’ll configure our software for your lending rates and terms, train your staff, and you can start doing business.

Our Executive Team

Collectively, our team at COST has over 90 years of combined experience in the premium finance industry.
Click one of our smiling faces to find out more about our executives.


David E. Gebhardt
Chief Executive Officer


Travis Klingler
Executive Vice President
Chief Financial Officer


Chris Gebhardt
Chief Technology Officer


Chris Gunn

"This is one of those deals where when you decide to start it, a year or two later you will say 'We should have done this 20 years ago.' Fortunately for us, we did start ours 20 years ago!"


Jason McElrath

"COST Financial has allowed me to create a viable source of revenue on the frequently overlooked process of premium financing. Over 20 years later, The COST Program has delivered time and time again."


Torrin Bottrell

“I have worked with COST for nearly 25 years and I count this as one of the best business decisions I have ever made. The staff at COST Financial has always been at our side, making this a great profit center for the agency.”

Don't just take our word for it. See what others have to say about us.

The biggest regret our clients have is that they didn’t call us sooner. Not only do COST clients earn significantly more than any commission or rebate program could ever offer, but they also enjoy total control over the premium finance process. You should have the same control over premium financing that have over your existing business – and with COST, you do.

Let's Talk!

Contact us today to learn more about how owning your own premium finance company can supercharge your bottom line.


807 W. Highway 50, Suite 4
O'Fallon, Illinois 62269

COST Financial Group, Inc.

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