You cover everyone else. Let Finley cover you.
Premiums that aren’t yours yet. Commissions that arrive late, or never arrive at all. Risk spread across carriers you can’t fully see. Finley turns all of it into one clear number, every day. Finley knows your agency. Every entity, every producer, every carrier, every ledger. It tells you which producers are earning their keep, where your book is exposed, and what the agency is actually worth. Today, not at year-end when the contingents post. And you will never explain your own agency to it twice.
For independent agencies doing $2M to $20M in revenue who live on commission and contingent income, run one office or a handful, and have a bookkeeper instead of a CFO.
for Insurance Agencies
Know which producers are the productive
Gross production is a vanity number. It tells you volume, not value. Your biggest producer carries the richest split, the heaviest service load, and the two CSRs who exist to keep his accounts happy, and none of that rides along on the production report. Finley weighs what every producer brings in against what it actually costs to keep them producing, comp, splits, support, the whole load, and ranks the book by true net margin. The producer conversation stops being an argument about volume and becomes a number you can both see.
See renewals for what they are actually worth
A flat top line can hide two very different agencies. One writes plenty of new business while the back door swings. The other holds a renewal book that compounds quietly every year. They look identical on the P&L and they sell for very different multiples. Finley tracks renewal against new business every month, side by side, so a slip in retention shows up as a number in March instead of a surprise at year-end. A few points of retention compound fast. Finley makes sure you see them while they are still points.
Spot risk before a carrier decides it for you
If two carriers write most of your commission income, your agency is more exposed than it feels day to day. A rate action, a tightened appetite, a market pulled out of the state, and revenue moves overnight, before a single renewal reaches your desk. Finley breaks revenue down by carrier and by line of business continuously, so concentration is a number you manage on purpose, years before a buyer haircuts your multiple for it.
Could you buy the competitor down the street this quarter?With Finley you can know precisely what you can put behind it.
The number in the bank has never been a straight answer. On agency-bill business you hold gross premium between the day the insured pays and the day you remit. It sits in your account and it is not yours. Two agencies at identical revenue carry balance sheets that look nothing alike.
Finley reads the premiums-payable offset out of your chart of accounts and splits fiduciary from operating on every day of the forecast. So when a book comes up you are not waiting two days on your bookkeeper. You know what is yours, what the trough before contingents does to it, and what the seller note has to look like for the deal to work. The agencies doing the buying are the ones who can answer that on the phone.
Connect Finley once and start gaining insights.
Finley connects to your accounting and your agency management systems, and we can help build connectors for most other systems.
Connected in minutes. No data migration, no implementation project, and nothing for your bookkeeper to maintain. Your AMS keeps running the book the way it always has. Finley reads what the agency produces and tells you what it means.
Then the part that matters. Finley keeps what it learns. Every month it knows your seasonality better, your carriers’ payment habits better, which accounts renew early and which one just started paying late. Your operations manager has been here nineteen years and knows all of it, and all of it lives in her head. The producer who leaves takes his relationships with him. The next banker, the next aggregator, the next buyer will each start from zero. Finley started once, and never starts over.
Finley is a dashboard, a reporting layer, and a forecast. It is also the reasoning that turns all three into a decision. Nothing gets ripped out. Your management system keeps the ledger and your close runs exactly as it does today.
Where one ends and the other begins
Your management system
- System of record for the ledger
- Posts the carrier statement
- Holds the premium you owe
- Closes the month
- Built for bookkeepers
Finley
- System of record for your financial planning
- Checks it against what the policy owed
- Tells you what is actually yours to spend
- Tells you what the month means
- Built for the operator
The production report ranks volume. Finley ranks profit.
Every agency can run the gross production report. Almost none can run the one that matters. What each producer keeps after comp, splits, and the service load that rides along. Finley talks you through both. It weighs every book against what it costs to serve and re-ranks the roster by true net margin. Comp reviews, hiring, and the next book purchase start from profit instead of applause, and the answer stays current every month after.
Gross commission
$0
Cost to produce
$0
True net margin
$0
Know your cash position today, and any week between now and next year
Finley builds a rolling cash flow forecast and keeps it current. Every carrier payable. Every direct-bill commission on its way. Your actual payroll rhythm, and a certainty band that widens the further out it looks. Thirteen weeks by default, a full year when a decision needs it. Weigh a producer hire in October and you know, before the offer letter goes out, whether the trough before contingents can carry it.
Rolling forecast · weekly
Everyone else starts from zero. Your banker included.
Your banker knows your balance. The aggregator knows a multiple. The lender quoting your acquisition has never once seen your retention. Every one of them starts every conversation with you explaining your own agency again. Ask how to finance an $850K book and a bank answers with the product it sells. Finley answers with the SBA loan, the seller note, and the bank term loan, and what each does to your cash, your covenants, and the trough before contingents land, reasoned over the retention risk in the book you are buying. Then it recommends one.
One caveat: confirm the January trough before you set the down payment.
Find out what the news means for your book
When a carrier pulls out of the state, a market hardens, or a rate action lands on your biggest line, the bulletin tells you it happened. It does not tell you which accounts it touches, what it does to your commission income, or which contingent threshold just moved out of reach. Ask Finley and you get your answer, not the industry’s. It already knows which carriers write your book, which accounts sit in the blast radius, and what the remarketing is worth.
Watching · 212 policies · nonrenewal notices · appetite guides
CFO recommendation
Remarket the 38 largest accounts first: they hold $121K of the commission at risk. I can rank the book by exposure now.Rank the book
Direct bill and agency bill, reconciled
Carriers miscalculate percentages and drop renewal commissions without warning, and the shortfall hides in a direct-bill statement nobody reads line by line. Finley checks every statement against what each policy should have paid and names what never arrived. That is commission you already earned. It is the line item that pays for Finley before the quarter closes.
Clean, audit-ready EBITDA
Expense ratios and tech-stack spend tracked continuously, not reconstructed under deadline pressure when a buyer asks. The number is ready before the question is.
Producer and expense benchmarking
Comp-to-revenue by producer and spend against the revenue it produces, read continuously, so you see where to adjust while it is still an adjustment.
Carrier and line-of-business mix
Revenue and commission broken out by carrier and line, with concentration flagged while it is still a strategy question and not a diligence finding.
Every agency deserves to be known.
You have spent thirty years building a book everyone wants to buy and nobody has bothered to understand. Every account on it is a relationship you built. Finley knows the whole agency, every entity, every producer, every renewal, and it never takes another job.