Insurance M&A Advisory and AR Financing

    Capital built for the way insurance books actually trade.

    Vestr advises agency owners and acquirers through the full M&A process, connecting qualified opportunities with experienced operators, strategic guidance, and institutional capital.

    I am acquiring books I own an agency
    $27M
    Deployed into insurance acquisitions in 2026
    $50B
    Deployable acquisition capacity across partners
    1 to 2 yrs
    Renewal commissions advanced under AR facility
    6
    Closed transactions this year
    The marketplace

    One platform. Two sides of the same trade.

    For book acquirers

    Acquisition credit facility

    Deploy capital to purchase renewal books at scale. Vestr sources sellers, validates commissions, and funds acquisitions against durable residual streams.

    For agency owners

    AR renewal advance

    Pull forward 1 to 2 years of expected renewal commissions. Non dilutive, flexible PG and non PG structures, sized against verified carrier statements.

    For book acquirers and buyers

    Credit that scales with the books you acquire.

    The Vestr acquisition facility is built for operators buying insurance books at volume. We underwrite against carrier statements, persistency, and renewal quality, not just the owner behind the desk.

    • Revolving structure that grows as your acquired book grows
    • Advance rates aligned to renewal durability across Health, Medicare, ACA, and Life
    • Vestr sourced sellers with pre validated commission statements and KYC
    • Intercreditor friendly for operators already partnered with senior lenders
    • Speed to close measured in weeks, not quarters

    Facility snapshot

    Use of proceeds
    Acquire renewal books of business at scale
    Structure
    Revolving credit facility
    Advance
    Sized to renewal durability and persistency
    Collateral
    Acquired books and residual commission streams
    Guarantees
    PG and non PG structures available
    Reporting
    Monthly production and persistency package
    Request buyer term sheet
    Insurance M&A advisory

    Experienced guidance from preparation through close.

    Vestr helps insurance agency owners, buyers, and investors navigate complex transactions with practical support at every stage. Our team helps position the opportunity, prepare the file, identify the right counterparties, and keep the transaction moving toward a successful close.

    • Sell side preparation, valuation guidance, and buyer positioning
    • Buy side sourcing, transaction review, and capital strategy
    • Financial package preparation and commission stream analysis
    • Deal structuring, diligence coordination, and closing support
    • Post acquisition growth and operational advisory

    Advisory panel support

    Select opportunities may be reviewed by Vestr's private advisory panel, bringing together relevant experience across insurance operations, institutional capital, transaction strategy, technology, legal matters, and growth.

    Panel participation is confidential and selected according to the needs of each transaction. Member names are not displayed publicly.

    For agency owners and sellers

    Turn renewals into working capital, without selling the agency.

    AR advance snapshot

    Product
    AR purchase against forward renewal commissions
    Advance window
    Typically 1 to 2 years of expected renewals
    Structure
    PG and non PG paths depending on book quality
    Verification
    Direct carrier statements and production reports
    Use of funds
    Marketing, recruiting agents, expansion, liquidity
    Turnaround
    Term sheet in days once statements are shared
    Request AR advance quote

    If you own the book, you should not have to give up equity to grow it. Vestr advances against the renewal commissions you have already earned the right to collect, so you can invest in marketing, recruit producers, and expand distribution on your terms.

    • Non dilutive capital secured by your renewal stream
    • Health, Medicare, ACA, and Life carrier residuals all eligible
    • Keep operating your agency and your override on downline agents
    • Structure sized to your persistency, not just last month revenue
    • Optional path to a full book exit through the Vestr buyer network
    How the marketplace works

    Vestr controls the flow, so capital moves with confidence.

    01

    Intake

    Buyers and sellers apply through Vestr. We collect KYC, KYB, and carrier data upfront.

    02

    Verify

    Commission statements, persistency, and production are validated against the source.

    03

    Match

    Books are routed to the right facility. Acquisition credit for buyers, AR advance for sellers.

    04

    Fund

    Capital partners close against verified data packages. Vestr services the relationship.

    Why Vestr

    The only marketplace built end to end for insurance book flow.

    Operator DNA

    Managing partners have built and exited both Health and Life IMOs with direct reach across the market.

    Deep capital bench

    Active partnerships with institutional funds and continued onboarding of new capital partners.

    Verified data

    Vestr controls intake, KYC, and document collection so funds always underwrite a clean file.

    Start a conversation

    Whether you are buying, selling, or funding your next chapter, we should talk.

    Tell us your objective. We will connect you with the right advisory and capital resources for the transaction.

    I am acquiring books I own an agency
    Vestr Finance. Confidential inquiries welcome.