About Us

Imperial PFS is the industry leader in commercial premium financing. We provide short-term loans for businesses and individuals to obtain property and casualty insurance coverage, thus freeing up capital and allowing them to obtain appropriate insurance coverage. IPFS works with our agency partners to ensure a seamless premium finance experience for all parties involved.

What began in 1977 with one branch in Kansas City, MO has grown to 30 branch locations and over 600 associates in North America. While much has changed in 45 years, our commitment to providing legendary customer service has remained the same. We believe that legendary customer service means serving as an indispensable partner to our valued customers, rather than just a vendor. Read more about the members of our Leadership Team.

Imperial PFS was created by combining two of the strongest premium finance brands in the market: Premium Financing Specialists (PFS) and Imperial Credit Corporation (ICC). For more on the history of IPFS, please see below. If you would like to learn more about the founder of IPFS, you can read the bio of Tom Charbonneau.

Important Dates in Imperial PFS History

    • 2000
    • ipfs.com is established
    • Online Quoting is released
    • 2006
    • eSignature available
    • 2009
    • eForms option introduced
    • 2011
    • Imperial PFS® launched as one brand
    • 2013
    • Mobile-optimized website and app
    • 2016
    • IPFS Credit Advantage® launched
    • 2017
    • Agency Dashboard added to ipfs.com

Learn the Benefits of Partnering With IPFS

Benefits for Insurance Agents

Immediate commission collection, superior account receivable ratios, reduced billing expenses, enhanced service for your clients, increased annual income, and much more. In 2021, we financed more than 700,000 insurance loans across North America, totaling nearly $12 billion in premiums in the US alone.


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Benefits for Business Owners

Financing your commercial insurance premiums gives you the flexibility to use your working capital more effectively. Freeing up capital can allow you to focus on product development, hiring new employees, marketing and other investments to grow your business.

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Benefits for Insurance Companies

The insurance industry is digitally enhancing its purchase and service model to elevate the customer experience for insureds. This is where IPFSDirect® steps in. IPFSDirect is a business unit established under IPFS Corporation who works exclusively with insurance companies providing payment and collection services.

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