ORIX Insurance Finance has an established track record of delivering innovative solutions to sponsored-backed or privately-owned insurance distribution companies seeking capital to finance acquisitions, buyouts and expansions. Our senior-level financial professionals are well grounded in the insurance industry, and offer the proven resources of an established public financial services company. We specialize in senior secured term and revolving loans for insurance brokerages, general agencies, managing general underwriters and wholesale insurance firms.
We Offer
Our underwriting is based on cash flow and enterprise valuation analysis. Revolving lines of credit and deferred amortization tranches can be included in the senior loan facility to match the unique liquidity needs of the borrower’s business model.
Senior Secured Loans
Loan term of five to seven years
Facility size generally limited to 55% of enterprise value or 3.75x trailing EBITDA
10+ years of successful operating history of borrower and management team
Stable programs; customer base with diversity of key relationships
Long-term and diversified relationships with primary carriers and/or reinsurance companies
“Non-regulated” EBITDA greater than $8 million
Mezzanine/Second Lien Loans
Offered on a selective basis as an extension of the capital offered through our senior secured loan product.
Typical Transaction
Senior secured debt or one-stop financing
Sole lender transaction or syndicated credit facilities
Minimum loan size $7 million
Maturities of five to seven years
Our Clients
Our focus is on growth-oriented companies that are seeking capital for
Organic expansion
Strategic acquisitions
We target equity sponsors and management teams with proven track records in the program development and distribution segments of the industry.