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Blog
Navigating Agency Growth: Debt vs. Equity Financing for Modern Insurance Agencies
In the 2026 economic landscape, insurance agency owners face a critical choice in how to fuel book acquisitions and agency expansion. Navigating agency growth requires a strategic choice between debt and equity financing, with the best approach depending on the agency's cash flow, risk tolerance, and long-term ownership goals. Debt financing, which includes traditional bank loans or SBA loans, is commonly…
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How Buyers Prepare for the Agency Acquisitions
Purchasing an insurance agency is often difficult and time-consuming for the buyer. The merger and acquisition (M&A) process is one that requires careful planning, the use of competent professionals, and an understanding of the deal dynamics...
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A Seller’s Note Assists in Agency Acquisitions
Written By: Wildhawk Capital Definition: A Seller Note is a form of debt financing used in insurance agency acquisitions in which the Seller agrees to receive part of the purchase price as a series of monthly installment payments. This occurs when the agency buyer does not have the entire purchase price in cash and can...
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Insurance Agency Valuations, EBITDA vs. Revenue Multiple
Definitions EBITDA is the acronym used for Earnings Before Interest, Tax, Depreciation and Amortization. It is a measurement of an agency's operating performance. Essentially, it's a way to evaluate the agency's performance without having to factor in current financing decisions, accounting decisions, or current tax obligations. It is the process of adding the agency’s...
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