Financing made


Make B2C your go-to option, with easy to use software, flexible loan terms, as well as professional customer service to deliver a better premium finance experience.

Become An Agent
We Are
Driven By Innovation

At B2C Premium Finance we strive to provide our clients with easy to use impactful software allowing you to seamlessly finance your insureds without having to speak to a representative - saving you time and money.

Dedicated to Service

At B2C Premium Finance we provide value through great customer service to both our agents and insureds. Our competency combined with our innovative technology is what makes the difference.

Enabled by Flexibility

We deliver the flexibility our partners and clients deserve. We offer flexible terms and better rate and producer fees making B2C Premium Finance the preferred choice of agencies nationwide.

About Us
Welcome to B2C Premium Finance

B2C Premium Finance core values are rooted in our people and processes by focusing on being genuine, exceptional, innovative and involved. We strive to provide our partners with the highest level of customer service in the business. Regardless of your size, if you are an agent or an MGA considering a new premium finance company, B2C Premium Finance will help you reach your goals.

You will find that we offer the superior service, competitive rates, and excellent turn-around time that you expect and deserve.

Financing your insurance premiums through B2C enables you, our customer, to preserve the consistency of your earnings, optimize your cash flow, and maintain a high level of credit availability while securing the insurance products you need.

What We Do
Personal Customer Service

We pride ourselves in providing exemplary service via telephone and email. You can count on us being there when needed.

Industry Knowledge

Our experienced professionals educate our clients enabling them to offer the best premium finance solutions across a range of challenging premium finance needs. Wherever you need business placed, we want to be your go to premium finance option.

Easy Loan Acceptance

B2C Premium Finance wants to make activating finance agreements easy for you. We can accept any form of signatures, whether they be traditional, Docusign, or via our agency partner portals.

What clients say about us

"I've used other premium finance companies in the past, but we are grateful for B2C. Their digital quoting platform is great, and their customer service team is very professional and have an excellent customer service attitude.”

M. Van Wie, Houston, TX

"This is the best experience I have had with a finance company. The software is easily understood, any questions or problems are quickly addressed.”

S. Anderson, Charleston, SC

"Everyone at B2C, and the experience, has been great! I was set up on ACH automatic withdrawals for the year, and it couldn't have been easier. I didn't have to remember to make monthly payments, and since they were 10 month terms, the last 2 months of my annual policy had no payments as the loan was already paid off. I will be happy to go use them again next year."

A. Sanchez., Cumming, GA
Get in touch with us
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Updated: October 8th, 2021

In this Privacy Policy (“Policy”), we describe how B2C Concepts and its affiliates (“Company”) collect, uses and disclose information that we obtain about visitors to our website, (the “Site”) and the services available through our Site (collectively, the “Services”).

By visiting the Site, or using any of our Services, you agree that your personal information will be handled as described in this Policy. Your use of our Site or Services, and any dispute over privacy, is subject to this Policy and our Terms of Service, including its applicable limitations on damages and the resolution of disputes. The Company Terms of Service are incorporated by reference into this Policy.

The Information We Collect About You

We collect information about you directly from you and from third parties, and automatically through your use of our Site or Services.

Information We Collect Directly From You.

The information we collect from you depends on how you use our Services. To create an account, you must provide your name, company name and address, phone number, email, and password. We also may collect additional information from you, including the reason for your inquiry, carrier provider type and MC number among other data. When you express an interest in our Services, you can sign up to receive more information. We may also collect financial or payment information including your billing and shipping address.

Information We Collect From Other Entities.

We may combine the personal information you submit directly through this Site with other personal information we have collected from you. We may also combine it with information we receive about you from other sources, such as other advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, data brokers, carriers and brokers, logistics and shipping companies (e.g., to track shipments and from bills of lading), and other third parties.

Information We Collect Automatically.

We may combine the personal information you submit directly through this Site with other personal information we have collected from you. We may also combine it with information we receive about you from other sources, such as other advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, data brokers, carriers and brokers, logistics and shipping companies (e.g., to track shipments and from bills of lading), and other third parties.

  • domain name;
  • your browser type and operating system;
  • web pages you view on the Site; links you click on the Site; your IP address;
  • the length of time you visit our Site and or use our Services;
  • the referring URL, or the webpage that led you to our Site

How We Use Your Information

We use your information, including your personal information, for the following purposes:

Our Use of Personal Information

  • Providing Support and Services: Including to provide our Services; to communicate with you about your access to and use of our Services; to respond to your inquiries; to provide troubleshooting, fulfill your orders and requests, process your payments, and provide technical support; and for other customer service and support purposes.

  • Analyzing and Improving Services and Operations: Including to better understand how users’ access and use our Site and Services, to evaluate and improve our Site, Services and business operations, and to develop new Services; to conduct surveys and other evaluations (such as customer satisfaction surveys); and for other research and analytical purposes.

  • Personalizing Content and Experiences: Including to tailor content we send or display on Site and other Services; to offer location customization and personalized help and instructions; and to otherwise personalize your experiences.

  • Advertising, Marketing and Promotional Purposes: Including to reach you with more relevant ads and to evaluate, measure and improve the effectiveness of our ad campaigns; to send you newsletters, offers or other information we think may interest you; to contact you about our Services or information we think may interest you; and to administer promotions and contests.

  • Securing and Protecting Our Business: Including to protect and secure our business operations, assets, Services, network and information and technology resources; to investigate, prevent, detect, and act regarding fraud, unauthorized access, situations involving potential threats to the rights or safety of any person or third party, or other unauthorized activities or misconduct.

  • Defending our Legal Rights: Including to manage and respond to actual and potential legal disputes and claims, and to otherwise establish, defend, or protect our rights or interests, including in the context of anticipated or actual litigation with third parties.

  • Auditing, Reporting, Corporate Governance, and Internal Operations: Including relating to financial, tax and accounting audits; audits and assessments of our operations, privacy, security and financial controls, risk, and compliance with legal obligations; our general business, accounting, record keeping and legal functions; and related to any actual or contemplated merger, acquisition, asset sale or transfer, financing, bankruptcy or restructuring of all or part of our business.

  • Complying with Legal Obligations: Including to comply with the law, our legal obligations and legal process, such warrants, subpoenas, court orders, and regulatory or law enforcement requests.

How We Share Your Information

We may share your information, including personal information, as follows:

  • Service Providers. We disclose the information we collect from you to service providers, contractors or agents who perform functions on our behalf.

  • Affiliates. We disclose the information we collect with our affiliates or subsidiaries.

  • Carriers/Brokers. We disclose the information we collect about you to the carriers and brokers you add to your network. If you decide to make your quote available to the Marketplace, we provide your information to the Emerge network of verified carriers.

  • Advertising Partners.  We and our third-party advertising vendors (including advertising networks, ISPs, and data analytics providers) set tracking tools and other technologies to collect information regarding individuals’ activities and devices (e.g., IP address, mobile identifiers, page(s) visited, etc.) that may also be combined with other information and shared with third party advertising partners. These advertising partners may use information (and similar information collected from other websites and properties) for purposes of delivering targeted advertisements to individuals within their networks. If you prefer not to share your personal information with third party advertising partners, you may review the information below. We may also use information for the purposes of serving contextual and/or targeted ads, for ad reporting, performance, engagement, and measurement purposes and for fraud protection, bot detection, analytics, viewability, security and verification services.

We also disclose information in the following circumstances:

  • Business Transfers. If we or our affiliates are or may be acquired by, merged with, or invested in by another company, or if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the information we have collected from you to the other company.  As part of the business transfer process, we may share certain of your personal information with lenders, auditors, and third-party advisors, including attorneys and consultants.

  • In Response to Legal Process. We disclose your information to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena.

  • To Protect Us and Others. We disclose your information when we believe it is appropriate to do so to investigate, prevent, or act regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms of Service or this Policy, or as evidence in litigation in which we are involved.

  • Aggregate and De-Identified Information. We share aggregate, anonymized, or de-identified information about users with third parties for marketing, advertising, research, or similar purposes.

Our Use of Cookies and Other Tracking Mechanisms

We and our third-party service providers use cookies and other tracking mechanisms to track information about your use of our Site or Services. We may combine this information with other personal information we collect from you (and our third-party service providers may do so on our behalf).

Cookies. Cookies are alphanumeric identifiers that we transfer to your device’s hard drive through your web browser for record-keeping purposes. Some cookies allow us to make it easier for you to navigate our Site and Services, while others are used to enable a faster log-in process or to allow us to track your activities at our Site and Service. There are two types of cookies: session and persistent cookies.

  • Session Cookies. Session cookies exist only during an online session. They disappear from your device when you close your browser or turn off your device. We use session cookies to allow our systems to uniquely identify you during a session or while you are logged into the Site and Services. This allows us to process your online transactions and requests and verify your identity, after you have logged in, as you move through our Site and Services.

  • Persistent Cookies. Persistent cookies remain on your device after you have closed your browser or turned off your device. We use persistent cookies to track aggregate and statistical information about user activity.

Disabling Cookies. Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in the future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to our Site and Services who disable cookies will be able to browse certain areas of the Site, but some features may not function.

Flash Local Storage Objects. We may use Flash Local Storage Objects (“Flash LSOs”) to store your Site preferences and to personalize your visit. Flash LSOs are different from browser cookies because of the amount and type of data stored. Typically, you cannot control, delete, or disable the acceptance of Flash LSOs through your web browser. For more information on Flash LSOs, or to learn how to manage your settings for Flash LSOs, go to the Adobe Flash Player Help Page, choose “Global Storage Settings Panel” and follow the instructions. To see the Flash LSOs currently on your computer, choose “Website Storage Settings Panel” and follow the instructions to review and, if you choose, to delete any specific Flash LSO.

Clear GIFs, pixel tags and other technologies. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web and app pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with our Site and Services to, among other things, track the activities of Site visitors and app users, help us manage content, and compile statistics about Site usage. We and our third-party service providers also use clear GIFs in HTML e-mails to our customers, to help us track e-mail response rates, identify when our e-mails are viewed, and track whether our e-mails are forwarded.

Third Party Analytics. We use automated devices and applications, such as Google Analytics and other providers, to evaluate usage of our Site. We also may use other analytic means to evaluate our Site. We use these tools to help us improve our Site’s performance and user experiences. These entities may use cookies and other tracking technologies, such as web beacons or local storage objects (LSOs), to perform their services. To learn more about Google’s privacy practices, please review the Google Privacy Policy at You can also download the Google Analytics Opt-out Browser Add-on to prevent their data from being used by Google Analytics at

Do-Not-Track. Currently, our systems do not recognize browser “do-not-track” requests. You may, however, disable certain tracking as discussed in this section (e.g., by disabling cookies); you also may opt-out of targeted advertising by following the instructions in the Third-Party Ad Network section.

Third-Party Ad Networks

We use third parties such as network advertisers to serve advertisements on our Site and on third-party websites or other media (e.g., social networking platforms). This enables us and these third parties to target advertisements to you for products and services in which you might be interested. Third-party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the effectiveness of their ads and to personalize advertising content to you. These third-party cookies and other technologies are governed by each third party’s specific privacy policy, not this one. We may provide these third-party advertisers with information, including personal information, about you.

Users in certain countries may opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (“DAA”) Consumer Choice Page (US) or (Canada) for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.

Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our Site, Services, or on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA’s website at or the NAI’s website at

Third-Party Links

Our Site and Services may contain links to third-party websites. Any access to and use of such linked websites is not governed by this Policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites.

Security of Personal Information

We have implemented reasonable precautions to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our best efforts, no data security measures can guarantee security.

You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

Access To My Personal Information

You may modify personal information that you have submitted by requesting at Please note that copies of information that have been updated, modified, or deleted may remain viewable in cached and archived pages of the Site for a period of time.

What Choices Do I Have Regarding Use of My Personal Information?

We may send periodic promotional emails to you. You may opt-out of promotional emails by following the opt-out instructions contained in the email. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving promotional emails, we may still send you emails about your account or any services you have requested or received from us.

California Residents

In this section, we provide information for California residents, as required under California privacy laws, including the California Consumer Privacy Act (“CCPA”), which requires that we provide California residents certain specific information about how we handle their personal information, whether collected online or offline. Under the CCPA, “personal information” is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. It does not include publicly available data as defined by the CCPA.

Except for the Right to Opt-out and the Right of Non-Discrimination (see below), this section does not apply to California residents with whom we transact or communicate solely in the context of providing or receiving a product or Service to or from a company that employs such residents or engages such residents as contractors. This section also does not apply to personal information we collect about job applicants, independent contractors, or current or former full-time, part-time, and temporary employees and staff, officers, directors or owners of the Company.

Categories of Personal Information that We Collect, Disclose, and Sell

The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we collect, sell, and disclose to others for a business purpose. We collect these categories of personal information from the sources and for the purposes described above. Our collection, use and disclosure of personal information about a California resident will vary depending upon the circumstances and nature of our interactions or relationship with such resident.

California Resident Rights

California law grants California residents’ certain rights and imposes restrictions on particular business practices as set forth below.

Right to Opt-out of Sale of Personal Information.

California residents have the right to opt-out of our sale of their personal information. Opt-out rights can be exercised here

We do not sell personal information about California residents who we know are younger than 16 years old, without opt-in consent.

Verifiable Requests to Delete and Requests to Know.

Subject to certain exceptions, California residents have the right to make the following requests, at no charge:

Request to Delete: California residents have the right to request deletion of their personal information that we have collected about them and to have such personal information deleted, except where an exemption applies.  

Request to Know: California residents have the right to request and, subject to certain exemptions, receive a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance. California residents also have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including the:

  • categories of personal information collected;
  • categories of sources of personal information;
  • business and/or commercial purposes for collecting and selling their personal information;
  • categories of third parties/with whom we have disclosed or shared their personal information;
  • categories of personal information that we have disclosed or shared with a third party for a business purpose;
  • categories of personal information collected; and
  • categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party.

California residents may make Requests to Know up to twice every 12 months.

Submitting Requests.

Requests to Opt-out of Sale of Personal Information, Requests to Know, Requests to Delete and information about how you may obtain this notice in an alternate format may be submitted by contacting us at (832) 669-5717 (Monday to Friday, 8am – 5pm EST) or by e-mail at We will respond to verifiable requests received from California consumers as required by law.

Right to Non-Discrimination

We will not discriminate against California residents for exercising their rights under the CCPA.


Our Services are not designed for children. If we discover that a child under 16 has provided us with personal information, we will delete such information from our systems.

Contact Us

If you have questions about the privacy aspects of our Services or would like to make a complaint, please contact us via one of these methods:

On our Site, via the CONTACT US section, if available, by phone (832) 669-5717 (Monday to Friday, 8am – 5pm EST) or by e-mail at or please write to the following address:

B2C Concepts
24 Waterway Ave

Suite 825
The Woodlands, TX 77380

Changes to this Policy

This Policy is current as of the Effective Date set forth above. We may change this Policy from time to time, so please be sure to check back periodically. We will post any changes to this Policy on our Site. If we make any changes to this Privacy Policy that materially affect our practices with regard to the personal information, we have previously collected from you, we will endeavor to provide you with notice in advance of such change by highlighting the change on our Site.