Agent Tools

Capital Comparison Tool

This tool allows you to compare the cost of capital provided by Access Capital relative capital provided by banks and other financial institutions.

Enter Commission Info
Select Product Type:	Required
Enter Annual Commissions:	$ Required

Capital Estimate
	Loan	Access Capital
Estimated Available Capital:	$	$
Estimated Interest Costs¹:	$	$
Total Estimated Repayment²:	$	$

¹ Interest Based on typical market interest rate over a 5 year loan
² Includes total interest and principal paid over the term of the loan

Access Capital provides debt free financing by converting future commissions into immediate capital today. Our process is simple and less costly, no monthly principal or interest payments. The chart below outlines additional differences between traditional bank financing and Access Capital.

Process/Costs	Loan	Access Capital
Costs
Principal Payments	Y	N
Interest Payments	Y	N
Origination Fee	Y	N
Closing Costs	Y	Y
Prepayment Penalty	Y	N
Monthly Service Fee	Y	N
Due Diligence Process
Commission Statements	Y	Y
Carrier Contracts	Y	Y
Commission Schedules	Y	Y
Business Financial Statements	Y	N
Personal Financial Statements	Y	N
Business Tax Records	Y	N
Personal Tax Records	Y	N
Personal Guarantees	Y	N
Post Transaction
Maintain Client Relationship	Y	Y
Annual Collateral Updates	Y	N
Risk Transfer of Non-Renewing Policies	N	Y