First Mid Agency Finance is a provider of financial solutions for the insurance industry. We are a business unit of First Mid Bank & Trust, a publicly traded bank based in Illinois. First Mid Agency Finance is based in Indianapolis, Indiana, and we are committed to providing captive and independent agencies with the necessary capital to accelerate their financial objectives and realize their financial goals. First Mid Agency Finance provides lending products to insurance agencies including term loans and annually renewable lines of credit. Our Value Proposition Unlike other banks, First Mid understands the value of your future commissions. We recognize you as an independent business owner. Like any private business, there are times when you will need to access capital, but unlike many business owners, you have a valuable asset to leverage: your future renewal commissions. We offer loan products by using your future commissions as collateral….something your typical bank will not do. Other financial service providers under-value this asset because of their inability to predict policyholder behavior. Our model is unique. We have the historical experience, modeling capability, and financial wherewithal to provide you with the capital you need using the full value of your renewal commissions. Our Agency Finance team can help your agency strengthen its competitive position by increasing your working capital, helping you acquire an agency, consolidating existing debt, or helping you transition your business to the next generation. Let us put the value of your book to work for you.