Freight & Logistics
Trucking, transportation, and logistics operations with high annual insurance costs.
Fast. Flexible. Built for business.
Financing the down payment portion of commercial insurance premiums.
CIDPF helps business owners preserve working capital when a large commercial insurance down payment is due.
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Fast approvals
Review typically within 24–48 hours.
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Soft pull only
Soft credit pull to receive a quote.
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$5,000–$500,000
Funding range for eligible businesses.
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6–12 months
Typical repayment term.
What we do
We help finance commercial insurance down payments — not the full annual premium.
Insurance coverage can be business-critical, but the down payment can be a major cash-flow burden. CIDPF works as a strategic consultant with funding partners to help qualified businesses access fast, practical financing for the down payment portion of their commercial insurance premiums.
Industries we serve
For businesses where insurance costs are large and timing matters.
Manufacturing
Operational businesses balancing coverage requirements with working capital needs.
Staffing
Businesses managing payroll, growth, and insurance requirements at the same time.
Construction
Contractors and construction businesses that need coverage in place quickly.
And many more
We review a broad range of commercial business types and insurance needs.
How does the process work?
Simple steps. Clear expectations.
Apply
Complete the online application and submit 3 months of business bank statements.
Review
Your request is reviewed, generally within 24–48 hours.
Approval & Funding
Contract is signed digitally, closing items are received, funding call is completed, and funds are wired.
Network partners
We work with a strong network of insurance and financial professionals.
Insurance Premium Finance Companies
Insurance Brokers
Factoring Companies
Other Financial Professionals
Resources & articles
Useful topics for business owners and referral partners.
Understanding Commercial Insurance Premium Financing
What business owners should know when a large insurance down payment is due.
Read more →
Struggling with Insurance Down Payments?
Why insurance down payments can be difficult even for healthy businesses.
Read more →
Speed is Key: Avoid Coverage Gaps
How quick financing can help prevent delays, revenue interruption, and coverage issues.
Read more →
Tips to Improve Your Chances of Getting Approved
What to prepare before submitting an application for review.
Read more →FAQ
Common questions, direct answers.
What is your funding range?$5,000–$500,000
Funding is generally available in that range for eligible businesses.
What’s the time it takes to get funded?Typically 48 hours
Once required items are received and approved, funding is typically fast.
Will you check my credit?Soft pull only
A soft pull is used to get a quote.
Do you finance the full year of insurance premiums?No
CIDPF focuses on financing the down payment portion only.
Are you a direct lender?No
CIDPF is a strategic consultant that works directly with funders.
In how long do I need to pay back the money?Typically 6–12 months
Repayment is typically structured over 6–12 months.
Ready to get started?
Apply online in minutes and move quickly toward a decision.
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Contact us