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How to fund an insurance agency purchase — seller carryback notes, SBA loans, conventional financing, and creative deal structures that get transactions done. What lenders look for and how to structure the debt.
17 articles
A seller carryback note is only worth what you can collect. The promissory note terms, UCC filings, and default provisions that turn paper into paid debt.
Read Article →How does rollover equity get taxed in an insurance agency sale? From tax-free vs. taxable rollovers to Section 1045 deferral and capital gains treatment.
Read Article →U.S. brokerage M&A delivered 241 deals through May 2026. Private capital drives 70% of deals. Here is who is buying and what multiples clear heading into Q3.
Read Article →Three ways buyers finance an insurance agency acquisition in 2026: SBA 7(a) loans, commission-based lenders, and seller notes. Compare the terms and fit.
Read Article →Rollover equity in a consolidator deal means investing in a capital structure you do not control. Security class and waterfall position outweigh the percentage.
Read Article →Traditional agency M&A brokers charge 5-10 percent ($50K-$100K on a $1M sale). What you actually pay for, what brokers deliver, and better alternatives in 2026.
Read Article →Understand capital gains tax, installment sale elections, 1031 exchanges, and entity structure implications when selling your P&C insurance agency.
Read Article →Buyer's guide to acquiring a P&C insurance agency: financing options, due diligence checklist, retention analysis, carrier transfers, and common pitfalls to avoid.
Read Article →The complete guide to selling your P&C insurance agency: preparation, valuation, listing, buyer vetting, deal structuring, and transition. Updated for 2026.
Read Article →Seller carryback financing defers capital gains, earns the seller interest, and closes deals 2-3x faster than bank financing. Why it works for agency exits.
Read Article →Allstate restricts who you can sell to, when, and for how much. Here is what those carrier rules mean for your exit price and your transition timeline.
Read Article →What to evaluate, what to pay, and what to watch for when buying an insurance book of business: retention, carrier mix, customer concentration, producer dependency.
Read Article →How insurance agency acquisitions actually get financed: SBA 7(a) loans, seller carryback (cheapest), earnouts, and PE platform partnerships for $5M+ deals.
Read Article →Starting from scratch sounds noble. Buying an existing book sounds expensive. Here is the real math on which path actually wins for your time and capital.
Read Article →The difference between asset sale and stock sale tax treatment can be six figures on a $1M deal. Know the structure and the elections before you sign the LOI.
Read Article →Selling to your team preserves your legacy and your culture. Selling externally maximizes your payout. Here is how to decide which path actually fits your goals.
Read Article →Your agency value depends on not depending on you. Here is how to build the team and the systems that make you operationally optional before the buyer's first call.
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