IMPERIAL PFS CANADA

Insurance premium financing and payment solutions for Canadian brokers and policyholders

Specialty Solutions Established Bootstrapped

Overview

Imperial PFS Canada is a Canadian insurance premium financing and payment solutions provider, operating as the Canadian subsidiary of IPFS Corporation -- North America's largest premium finance company. Originally launched in 2012 as SNAP Premium Finance, the company rebranded to Imperial PFS Canada to align with its parent, IPFS Corporation, which was established in 1977 and has over 45 years of experience in premium financing.

The company operates on a B2B2C model, enabling Canadian insurance brokers and agencies to offer their policyholders flexible payment plans for insurance premiums. This helps policyholders obtain coverage while preserving working capital, and helps brokers retain clients through flexible options. IPFS Corporation, the parent, financed more than 850,000 loans totaling more than USD 17 billion across North America in 2025.

Imperial PFS Canada is actively expanding its integration footprint through partnerships with digital insurance platforms. Recent partnerships include Quotey (as its first embedded premium finance provider) and Dyad (with AndDone) to embed premium finance and digital solutions for the Canadian market.

Products & Services

Premium Financing Plans

Flexible payment structures that allow brokers to offer policyholders installment options for insurance premiums instead of requiring payment in full upfront.

Key Features

Monthly payment installment plans
3-payment (quarterly/tri-annual) financing options
Full payment processing solutions
Canada-wide coverage across all provinces

Target Users: Insurance brokers, agencies, and commercial policyholders

Broker Portal

A customizable white-label broker center powered by Imperial PFS Canada that enables brokers to manage premium financing for their clients.

Key Features

Customizable white-label interface
Client financing management
Commission automation and tracking
Integration with agency management systems (AMS) and CRM platforms

Target Users: Insurance brokers and agencies

IPFS Connect Mobile App

Mobile application providing policyholders and brokers direct access to account management and transactions.

Key Features

Account management and visibility
Premium payment processing
Transaction history

Target Users: Policyholders and brokers

One Platform

An integrated solution combining premium financing, payment processing, and administrative tools in a single system.

Key Features

Unified premium financing and payment processing
Administrative workflow tools
API integrations with carrier systems, AMS, and CRM platforms

Target Users: Brokers and insurance agencies

At a Glance

Founded: 2012
Headquarters: Toronto, Canada
Funding: Bootstrapped

Category & Focus

Category: Specialty Solutions
Subcategories: Premium Financing Payment Solutions Embedded Insurance Payments
Insurance Verticals: P&C Commercial P&C Personal Specialty/E&S
Target Customers: Brokers, Agents/Agencies, Consumers