Insurance Premium Financing in Chicago, Illinois

Your solution for premium financing

Insurance Premium Financing in Chicago, Illinois

Welcome to Capital Premium Financing in Chicago, Illinois. As part of our growing national network, our Chicago office connects Midwest agencies to industry-leading commercial premium financing solutions built on flexibility, experience, and trust.

We help Illinois businesses maintain consistent cash flow while keeping essential commercial insurance in place. From downtown financial districts to small agencies throughout the suburbs, we’re Chicago’s reliable partner in premium financing and agency growth.

Why Chicago agencies choose Capital Premium Financing

Partnering with Capital Premium Financing means teaming up with a financial partner that knows both local markets and national dynamics. We combine over 35 years of industry knowledge with the responsiveness and innovation today’s agencies need to thrive.

● Regional strength, national reach: Our Chicago presence provides a local touch backed by our corporate headquarters in Draper, Utah — ensuring access to stable financing and nationwide resources.

● Technology that works for you: We integrate with many major agency management platforms, streamlining quoting and servicing, reducing administrative hours, and improving client satisfaction.

● Personalized partnership: Our Midwest-focused sales and support team invests time in understanding each agency’s goals to deliver proactive, people-first service every time.

Our core values

The principles that guide every decision

Honesty and integrity:

We speak openly and act with integrity.

Trust and respect:

We treat clients and partners with dignity.

Accountability:

We take ownership of our results and honor our commitments.

Hard work and discipline:

We move with focus and determination.

Fairness and kindness:

We maintain empathy and balanced judgment.

Teamwork:

We support each other and succeed together.

Communication:

We stay direct, responsive, and open.

Competitiveness:

We push for high performance and strong outcomes.

Compliance:

We adhere to all applicable laws and maintain our internal standards.

Excellence and professionalism:

We deliver our best every day.

These values drive how we operate, serve, and build long-term partnerships.

Our services in Chicago

We provide financing solutions designed for the diverse industries that power Chicagoland’s economy:

● Commercial premium financing: Flexible terms for property, liability, auto, workers’ comp, and professional liability policies.

● Specialty financing options: Programs for construction, manufacturing, healthcare, and logistics firms across the Midwest.

● Easy2Quote platform: Create custom finance agreements, collect eSignatures, and manage client transactions all in one place.

● Convenient payment solutions: Offer insureds ACH, credit card, and mobile payment methods for fast, secure processing.

Serving Chicago and greater Illinois

From our Chicago office, Capital Premium Financing proudly supports agencies and insureds across northern Illinois:

Chicago: Loop, River North, West Loop, and South Side
Cook and DuPage Counties: Oak Brook, Schaumburg, Naperville, and Downers Grove
Broader region: Rockford, Joliet, Peoria, and surrounding Midwest agencies

Hear from our Illinois partners

    
 
 
       Posted on Google  
   
   Rachel Esfeller 
 
 
 
 Trustindex verifies that the original source of the review is Google. Capital Premium has been very patient with me with my questions. The questions are always directed to someone who can answer them. I trust them. I know the agency I work for is in good hands! We couldn’t ask for anyone better to partner with, I highly recommend this company.
  
 
      Posted on Google  
   
   Nicolas Baclini 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have had the pleasure of working with Capital Premium for the past eight years. Their customer service is consistently professional, compassionate, and responsive. They prioritize client care. As a family-owned business, they bring a personal touch that truly sets them apart. I highly recommend Capital Premium to anyone seeking a reliable and client-focused finance company, and I look forward to continuing our partnership for many years to come.
  
 
      Posted on Google  
   
   Kevin Molloy 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve worked with Capital for years, and never has there been more prompt service nor a more knowledgeable team. Davis Handley is my go-to agent and it has been a pleasure working with him for the last few years.
  
 
      Posted on Google  
   
   Lola Taylor 
 
 
 
 Trustindex verifies that the original source of the review is Google. Friendly, helpful and professional service. Joe and his team truly care about small carriers. A successful operation solely depends on the partnerships you have in place. Having a finance company that understands the challenges of transportation companies is VITAL to longevity in the industry. I will definitely recommend Capital Premium Financing to clients as well as my future insurance needs. I called the office 3 times this morning and spoke with 3 different young ladies, all were eager to assist. Unfortunately I only recall one of their names, Heather 🦅thanks Team
  
 
      Posted on Google  
   
   Linda Jennings 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jim Uffens is an incredible resource. His knowledge and professionalism is outstanding. Bouvier Insurance appreciates his attention and prompt responsiveness to all inquires. He's a valuable asset to our agency.
  
 
      Posted on Google  
   
   Blair Black 
 
 
 
 Trustindex verifies that the original source of the review is Google. Capital Premium Finance is the easiest premium finance company to work with.  Joe Clayton is the very best .  Always helpful and professional.
  
 
      Posted on Google  
   
   Robin Cole 
 
 
 
 Trustindex verifies that the original source of the review is Google. Joe Clayton with Capital Premium is the best!! He goes out of his way to help his clients. I highly recommend Capital and Joe!
  
 
      Posted on Google  
   
   Neeti Patel 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had the pleasure of working with Capital Premium Financing and with Joe Clayton for quite some time, and he consistently impresses with his speed, expertise, and dedication. He always goes above and beyond to help, offering insightful solutions and ensuring we have everything we need in a timely manner. His proficiency is matched by his team, their ability to handle tasks seamlessly while maintaining excellent service is truly appreciated. I’m grateful for the continued support and look forward to working with such a professional, reliable team.
  
 
      Posted on Google  
   
   Tim Gerrish 
 
 
 
 Trustindex verifies that the original source of the review is Google. Capital Premium is a great company to work with -- efficient, always available, and flexible for our customers!  Thanks, Joe Clayton, and the team you lead!  We appreciate it!
  
 
      Posted on Google  
   
   kevin dupree 
 
 
 
 Trustindex verifies that the original source of the review is Google. Love working with Capital Premium Finance. They are very flexible with terms and willing to work with their clients. Nothing but high praise when it comes to them, especially Joe Clayton.

FAQs

How does Capital Premium support Chicago’s diverse business market?

We understand that Chicago’s insurance landscape spans everything from manufacturing and construction to professional services. We tailor our flexible commercial financing options to meet the unique needs of each industry.

Is there a local team available for Illinois agencies?

Yes. Our Midwest representatives offer personalized support, assisting agencies across Chicago and Illinois with navigating financing terms, technology, and client onboarding.

How fast can I set up my agency account with Capital Premium?

Most agencies can begin quoting the same day after registering; our onboarding specialists guide you through each step.

Do you finance high-value or fully earned policies?

Yes. We handle both standard and complex fully earned or short-term policies, tailoring solutions to fit niche or high-risk commercial policies.

Can Capital Premium assist with financing multiple policies for one insured?

Absolutely. We make it simple to consolidate multiple policies under one agreement, providing a cleaner and easier experience for agents and their clients.

Insurance Premium Financing in Chicago, Illinois