Cypress Premium Funding

Cypress Premium Funding

Cypress Premium Funding operates as a specialized private credit provider, issuing short-term loans that allow businesses and individuals to finance their commercial insurance premiums through installment plans rather than paying the full annual cost upfront. Founded in Laguna Niguel, California, the firm works exclusively through a network of independent insurance brokers who offer Cypress as a payment alternative to their clients. The mechanics are straightforward: the broker collects a down payment from the insured, Cypress funds the full premium to the insurance carrier, and the insured repays Cypress in a series of 8, 9, or 10 monthly installments. The unearned portion of the insurance policy serves as the loan's collateral. Cypress positions its core product set around flexibility for insured parties dealing with commercial coverage — noting it can accommodate both small and large accounts. The firm restricts its financing to carriers rated B+ or better by A.M. Best, which sets a credit-quality floor on the underlying risk. The asset mix is a pool of short-term, collateralized fixed-income receivables, though the firm does not publicly disclose the size of its loan book. Its sourcing is entirely channeled through insurance broker relationships rather than direct-to-customer or digital-first acquisition. Cypress maintains an online servicing portal where borrowers and brokers can make payments, request payment extensions, and run account reports. Cypress is managed by a six-person team consisting of Sarah Johnson, Irene Doe, Alex Buoyega, Tom Ford, Hassan Abaza, and Paula Walker — though specific functional titles are not published. Its headquarters are a single office suite in Laguna Niguel, California, with a postal box in neighboring Mission Viejo. The firm's online footprint is purposefully limited: there is no LinkedIn presence and the website is transactional rather than editorial. No adjacent philanthropic vehicles, dedicated real-asset arms, or club memberships are publicly recorded. Cypress's structural edge is its narrowness — it operates exclusively at a specific intersection of insurance and credit where the collateral is the policy itself, a niche that larger banks and generalist fintech lenders rarely specialize in. That focus removes the need for heavy underwriting or credit-scoring infrastructure beyond verifying the policy's A.M. Best rating, making the business model operationally lean. The key counterparty risk is insurance carrier insolvency on a B+ or better rated book.