Standard Premium Finance Holdings Inc
standardpremiuminvestors.comWhat Do They Do?
Lends to businesses and individuals to finance commercial property and casualty insurance premiums.
10-K for FY2025, filed Mar 20, 2026We are a specialized finance company that makes collateralized loans to businesses and individuals to finance the insurance premiums they…View ↗
How Do They Make Money?
Borrowers pay interest in monthly installments over the loan term. The company also charges an initial service fee at the start of a loan where permitted, and late fees when charged.
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10-K for FY2025, filed Mar 20, 2026
FY2025 revenue by product or service ↗
$12.5M
-
10-K for FY2025, filed Mar 20, 2026
$12.5M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Finance charges
Recurring
10-K for FY2025, filed Mar 20, 2026 |
88%
FY2022: 83%
|
Finance charges, FY2025
$11M Sources
|
Recurring |
|
Late charges
|
9.1%
FY2022: 13%
|
Late charges, FY2025
$1.1M Sources
|
|
|
Origination fees
Sold outright
|
2.9%
FY2022: 4.4%
|
Origination fees, FY2025
$361.3K Sources
|
Sold outright |
Who Are Their Customers?
Small and medium-sized businesses seeking commercial insurance obtain loans through local independent insurance agents and brokers, who refer applications to the company for underwriting and approval.
10-K for FY2025, filed Mar 20, 2026The majority of our customers are small- to medium-sized businesses seeking property and casualty insurance through local independent…View ↗
We are a specialized finance company that makes collateralized loans to businesses and individuals to finance the insurance premiums they…View ↗
Our website includes a secure portal for our brokers and agents, which allows them to quote premiums, print drafts on our bank account to…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 10 cents of every revenue dollar as net income in FY2025 and turned 23 cents into free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 10, 2026
$375.7KView ↗
- ▲ +46%
- vs $258.1K in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 10, 2026
Open tableView ↗
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Mar 31, 2026
The company changed its independent accounting firm
Stephano Slack resigned, and the audit committee engaged M&K CPAs as its replacement.
Sources
8-K, filed Mar 31, 2026
(a) On March 27, 2026, Standard Premium Finance Holdings, Inc., a Florida corporation (the “Company”), received the resignation of Stephano…View ↗
Growing. Revenue grew 63% in 4 years, from $7.7M in FY2021 to $12.5M in FY2025, about 13% a year.
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