Standard Premium Finance Holdings Inc
standardpremiuminvestors.comStandard Premium Finance Holdings Inc (OTC: SPFX) is an insurance premium finance company that originates short-term loans to help commercial policyholders pay their property and casualty insurance premiums in installments. Revenue comes from three sources: finance charges, late charges, and origination charges. In FY2025, gross revenue was $12,469,770, with finance charges of $10,979,188 (88% of gross revenue), late charges of $1,129,309, and origination charges of $361,273. The company operates as a specialty lender, funding its loan portfolio primarily through a revolving line of credit, which was $75,000,000 with First Horizon Bank as of September 2025. Customers are predominantly small- to medium-sized businesses purchasing commercial property and casualty insurance through independent agents. As of December 31, 2025, the total loan portfolio carried $76,630,634 in outstanding balances across 18,846 loans, with Florida representing the largest concentration at $47,650,451 outstanding. The company is licensed to operate in 37 states. Corporate headquarters are in Miami, Florida.
Products & Services
Insurance premium finance loans for commercial property and casualty insurance policies. Loans are written for nine- to ten-month terms, with premiums on financed policies typically ranging from $1,000 upward. Policies are written on a semi-annual or annual basis exclusively. The company funds loans via a $75,000,000 revolving line of credit with First Horizon Bank (as of September 2025), carrying an interest rate of 30-day SOFR plus 2.10% margin, with a minimum rate of 2.60%.
Revenue Model
Transactional lending revenue from three fee types on insurance premium finance loans: finance charges ($10,979,188 in FY2025), late charges ($1,129,309), and origination charges ($361,273). Total gross revenue was $12,469,770 in FY2025, up 2.7% from $12,143,143 in FY2024. The spread between interest earned on loans and interest paid on the revolving credit line is the core unit economics driver.
Customers & Markets
Small- to medium-sized businesses seeking property and casualty insurance through local independent insurance agents. Insurance agents serve as the distribution channel; each agent is screened for licensing and standing with state authorities. End market is commercial insurance premium financing.
Geographic Exposure
Operates in 37 states as of the FY2025 10-K filing. As of December 31, 2025, Florida was the dominant market with 12,321 loans, $108,954,692 in total premiums, and $47,650,451 outstanding. Other active states include North Carolina (2,520 loans, $5,734,629 outstanding), Georgia (1,827 loans, $5,942,237 outstanding), South Carolina (959 loans, $6,931,229 outstanding), and Texas (895 loans, $5,100,610 outstanding). Corporate headquarters are in Miami, Florida.
Peers: Gold.com, Inc. Stewards Inc
Source: SEC 10-K, filed 2026-03-20
Financial Snapshot
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