Premium financing
Borrow to pay life insurance premiums while your capital stays invested. Suited to estate planning and business succession for high net worth clients.
The cornerstone of your financial plan.
Every strong structure starts with a firm foundation. CSFIS arranges premium financing, premium funding, VRDO and private placement solutions through a network of 60 banks, so your plan stands on capital that is built for it.
60partner banks competing for your financing
4specialized capital solutions under one roof
1advisor accountable for your outcome
Four pillars that carry the plan
Each solution supports a different part of your balance sheet. We match the structure to your goals, then take the request to the banks best suited to it.
Premium funding
Spread the cost of large policy premiums over time, with lender terms arranged around the policy and your cash flow.
VRDO
Variable rate demand obligations give borrowers low short-term rates with the flexibility of weekly rate resets, supported by bank liquidity.
Private placement
Direct, negotiated debt placed with a select lender or small group, with terms and covenants shaped to your situation.
Run the numbers first
Two quick estimators to frame the conversation. Change any figure and the results update.
Premium financing cost
- Loan balance at end
- $2,500,000
- Year 1 interest
- $15,000
- Final year interest
- $150,000
- Total interest paid
- $825,000
- Interest as % of premiums
- 33.00%
Assumes each year's premium is borrowed at the start of the year and interest is paid out of pocket. Collateral, fees and rate changes are not included.
VRDO vs. fixed-rate borrowing
- Annual interest, fixed
- $250,000
- Annual cost, VRDO (all-in)
- $210,000
- Savings over the term
- $400,000
- Break-even VRDO rate
- 4.40%
VRDO rates reset weekly and can rise above your assumption. Break-even is the average VRDO rate at which both options cost the same.
60 banks. One conversation.
Going to one lender means accepting one lender's terms. CSFIS works with 60 banks, so we can take your request to the institutions best suited to it and compare the responses side by side.
Start the conversation- Broader access to capitalMore lenders means more appetite for different policy sizes, collateral types and borrower profiles.
- Terms that competeRate, advance rate, collateral requirements and flexibility are compared across banks.
- One point of contactYou deal with your advisor. We manage the lender conversations and paperwork.
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About Monzur Mollah
- MBA
- Financial advisor for 30 years
Monzur Mollah founded CSFIS to be the steady point clients can build their financial plans around. With an MBA and three decades of experience as a financial advisor, he has spent his career helping clients structure capital in ways that support their long-term goals.
Today he specializes in premium financing, premium funding, VRDO and private placement, working with a network of 60 banks to find the right lender for each client.
Meet with MonzurWhy a cornerstone?
The cornerstone is the first stone set in a structure. Every other stone is aligned to it. That is how we approach your finances: get the foundation right, and everything built on it holds.
- Start with your goalsEstate, business, liquidity or growth. We design backward from what you want the plan to do.
- Stress-test the structureWe model rate changes, collateral calls and exit paths before you commit.
- Stay with youStructures are monitored and reviewed as markets and your needs change.
Build on solid ground
Tell us what you are planning. We will reply within one business day to set up a consultation.
Email: [email protected]
Phone: (000) 000-0000