A short-duration, self-collateralizing asset class — rebuilt AI-native.
An operator and platform for premium finance across many agency-owned lenders. Not a fund.
The asset class
- Short tenor; self-amortizing.
- Self-collateralizing — unearned premium held at rated carriers.
- Recovery leans on the carrier, not the borrower (statutory cancellation).
- Granular and diversified.
- Historically low credit losses despite high delinquency.
Historical context, not a promise. Past performance does not indicate future results.
The BindNow engine
AI-native origination and servicing across many agency-owned premium finance companies. An operator and platform, not a fund. AI recommends; humans decide.
Why now
Independent agents place roughly 87% of U.S. commercial-lines premium across ~39,000 independent agencies — a fragmented origination surface never organized around agency-owned lending. As industry context, banks retreating from asset-based lending has historically opened room for non-bank partners. Qualitative, not a forecast.
What a conversation looks like
Relationship-based and gated. Request a discussion.
Request a discussionThis is not an offer of securities. This material is for discussion and educational purposes only, is illustrative, and does not constitute an offer to sell or a solicitation to buy any security or interest, nor investment, legal, or tax advice. No offering is being made and no capital is being raised. No returns, yields, targets, or minimums are stated or implied. Forward-looking statements involve risks and are not guarantees; actual results may differ. Any actual offering, if made, would be made only through definitive documents to eligible persons; all materials are subject to review by securities counsel.