Key Takeaways
- O-1 insurance brokers qualify on commission and fee revenue
- Staff expansion, book acquisition, and technology all funded
- SBA barred for O-1 holders since March 2026
- Commission revenue from renewals creates highly predictable annual income
- 48-hour decisions, no green card required
Insurance brokers with O-1 recognition — actuarial innovators, specialty insurance pioneers, or brokerage executives recognized at national levels — build agencies with recurring commission revenue. Policy renewals create year-over-year income that is among the most predictable in financial services. Bankable funds O-1 insurance brokerage businesses on commission and fee revenue — not immigration status. Check your Bankability Score.
What Insurance Brokerage Funding Covers
- Agent and staff hiring: Licensed agents, support staff, account managers
- Book of business acquisition: Buying a retiring agent's renewal book
- Technology: AMS (agency management system), quoting tools, CRM
- Marketing: Digital lead generation, direct mail, referral programs
- Working capital: Bridging between commission receipt and operational costs
- Licensing: State insurance license expansion, E&O insurance premiums
Renewal Commission as Bankable Revenue
Insurance renewal commissions represent a particularly stable revenue stream. A brokerage with $500,000 in annual premium under management at 15% average commission generates $75,000/year in renewal revenue — on top of new business commissions. This recurring, contractually-supported income creates an excellent foundation for Bankable's underwriting. We evaluate agency management system reports alongside bank statements.
Book of Business Acquisition
Acquiring a retiring agent's book of business provides immediate renewal commission revenue. Books typically sell at 1-2x annual recurring commissions. An O-1 broker acquiring a $200,000 annual renewal book at 1.5x pays $300,000 — and immediately begins receiving the renewal income that services the acquisition financing. Bankable structures funding against both the acquirer's existing book and the acquisition target's trailing revenue.
Frequently Asked Questions
Yes. Bankable funds O-1 insurance brokerages on commission and fee revenue. No green card required.
Yes. Renewal book acquisitions are a primary use of insurance brokerage funding from Bankable.
$15,000/month in insurance commission revenue with 6 months of history.
Yes. Renewal commissions are the most bankable form of insurance brokerage revenue.
48 hours from complete application.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
Yes. Licensed agent payroll is a primary working capital use.
Up to $2M based on monthly commission revenue.
Yes. Agency management technology is a valid funded use.
Yes. Professional liability insurance premiums are valid working capital uses.