Take off to new heights with Avian Premium Finance

Finance Broker Fees

Avian Premium Finance offers you the ability to finance your broker fees.

We understand the hard work it takes to close insurance policies.

We would like to help in keeping your down payment low by financing your broker fees.

Yes, $0.00 collected in the down payment!!!

Producer Fees

Add 0% to 4% of amount financed as a Producer Fee that is fully earned after first payment.

Add up to 8 APR points on each finance agreement and increase your revenue.

Your client is rate sensitive? Add a Finance Broker Fee*. Does Avian Finance Broker Fees?
Avian Premium Finance offers a great program offering agents the ability to finance their broker fees to avoid a higher down payment. Call us for details.
Increase your revenue without increasing the rate.

*If Applicable by law

Online Access

24/7 online access to our cloud based software.

We bring technology to your fingertips.

  • Real-time Quoting
  • Online Payments
  • Electonically Sign Agreements
  • Choice od Billing Options
  • Online Endorsements
  • Email Notifications
  • Private Label Options

Renewal Discounts

5% reduction in down payment on accounts with prior coveragePrior Coverage
Insured must have had insurance coverage the prior year with no lapse.
with same or greater premium.

Even with a Minimum Earned Premium*1Minimum Earned Premium
Is the amount of earned premium the insurance company retains regardless if the policy is cancelled.
& Filings!*2 Filings
DMV filings are required by state law on trucking liability policies. Is the amount of earned premium the insurance company retains regardless if the policy is cancelled. What does this mean in layman’s terms? The insurance policy will be extended anywhere from 30 to 60 days by the carrier. What does this mean for the insured? He/She will have insurance coverage while the policy is being extended. What does this mean for the loan? The loan with Avian Premium Finance Inc., will have a remaining balance due to the extension of cancellation unless the client continues to make payments to us.

Are you trying to win the business from a competitor? Yes, we will give you the discount on that renewal!!

*1With filings no lower than 20% DP

*2Lowest Down payment amount 12%

Customer Service

Live customer service support who understand the Property and Casualty industry.

Multi-lingual Customer Service.

  • Spanish
  • Armenian

Customized Funding Options

At Avian Premium Finance we understand the importance of having your policies paid as soon as possible. We work closely with the general agents to customize our funding methods to have policies paid efficiently.

  • ACH
  • Fax
  • Wire
  • Check

Retention Team

  • Avian Premium Finance cares to keep your policies active and help you retain all your commission.
  • We will call your insureds on the day of cancellation to have insured make payment and avoid the cancellation.
Types of payments we accept Types of payments we accept
  • ⚪   Checks   →   Mail in
  • ⚪  ACH   →   Automated monthly deduction from your clients account Get Setup Form here
  • ⚪  Fax a check (Fax #)
  • ⚪  Walk in Cash [Address here]
  • ⚪  Check by phone
  • ⚪  Make payment with broker to upload to website
  • ⚪  Credit Cards
  • ⚪  Money Gram
  • ⚪  Email a payment [Payments@AvianPremiumFinance.com]

You want us to call you? We will customize this service to your needs. Send us an email.

Personalized Customer Service

Avian Premium Finance understands every broker or agent has different needs.

We cater to our agents on a personal level.

  • Customized automatic reports.
  • How you would like our retention team to contact your insured when policy is pending cancellation.
  • Any special requests Avian would love to help you. Send us an Email.

Our Products

Trucking Policies

Trucking Policies Are Our Specialty.

We Know Truckers Have High Cancellation Rate and We Have Created
Some Avenues for Them to Keep Their Insurance Policy Active!

  • You Can Set drivers on ACH to automatically draft payments.
  • We can call you to let you know cancellations are going out.
  • We can call your drivers and remind them of payment due prior to sending out cancellation notice.

Truckers Love Lower Down Payments!!!
Less Out Of Pocket Cost For Starting A Policy!

  • We’ll go as low as 12% down*.
  • Renewal Discount applies to trucking policies*.
  • As low as 20% down payment on policy with filings*.

We’ll Customize a Program That Will Fit All Your Client’s Needs.

  • 0 – 10 Payment plan options.
  • Combine liability, cargo, and physical damage into one easy payment plan.

You want special customization?

*Underwriting Guidelines Apply

Homeowners Insurance

We asked our HOA borrower what’s important to them.
Here is what they had to say and our solutions for them.

I want to set it and forget it.

  • We’ll set you up on automated payment plan.
  • Once you sign up you will no longer have to worry about the monthly payment.

I would love a lower payment option

  • We’ll allow for higher down payment in order to decrease the monthly payments.
  • We will also allow up to 11 payments which will spread the amount financed
    into more installments in order to lower the monthly payment.

The down payments are usually what kills the bank account.

  • As low as 12% down payment with 0% MEP.
  • We offer Renewal Discount for our Homeowners policies.

You want special customization?

*Underwriting Guidelines Apply

General Financing

We Finance All Kinds of Policies.
If it’s financeable we will finance it!*

  • 3-11 Payment Plan Option
  • 12% DP with No Filings & MEP
  • 0-4% Producer Fee
  • Renewal Discount

You want special customization?

*Underwriting Guidelines Apply

Personal Lines Insurance

Remember the good old days where you could finance personal
lines policies and make extra revenue?

Well we finance personal lines with special partnership!

for details.

  • As low as 10% down payment.
  • 11 Payment offered to help reduce the installment amount.
  • Producer Fee of 2% of amount financed or $40 flat fee whichever is greater.

You want special customization?

GA Partnerships

Combine Your Binder With A Premium Finance Agreement
With A Click Of A Button

  • Competitive Spread On The APR(Increase Your Revenue)
  • Create Ease Of Use For Your Brokers(Increase Your Revenue)
  • Decrease Manpower(Increase Your Revenue)
  • Electronic Funding(Increase Efficiency)

How Do We Do This?

We Have A Team Of Programmers!

Email Us For An Appointment And To Find Out How Easy It Is To Rely On Us!

Management Team

Edgar Ambaryan

Edgar Ambaryan is responsible for developing and managing our broker base. With relationship management on the forefront and fourteen years of experience in the Insurance, Sales and marketing sectors.

Melina A. Khachoo
President / CEO

Strategic Financial partner with balance of operational and Financial acumen.

Andres G. Gutierrez

Andres Gutierrez is responsible for operations at Avian. With close to a decade of experience in premium financing Andres was instrumental in building the company and always seeks to find innovative solutions to help operations provide the best-in-class customer service.

Mission Statement

Avian Premium Finance Inc. was founded under the ideals of innovation, simplicity and true business partnerships. We provide our agents and brokers with the state of the art technology and support that they need in this high demand industry. After years of red tape and nepotism, Avian Premium Finance was born to break out of the corporate chains and truly support our brokers and agents. Our program is built to be used effortlessly and has many unique products and services innovated to meet the needs of our brokers. We always seek to create a long lasting business relationship with a great customer service team that strives to make your agency successful.


Are you looking for a career with a forward thinking team?
Do you want a carrier that challenges you to be better than yesterday every day?
Do you thrive in a fast passed environment, where you can conquer new challenges?

If you answered yes to those questions, opportunities are waiting for bright, energetic, independent team members.


All positions are full time with competitive salaries and benefits.

  • Processing
  • Collections
  • Accounting
  • Underwriting
  • Customer Service
  • Sales & Marketing
  • Administrative Assistant

Frequently Asked Questions (FAQ)

  • What states does Avian conduct business in?
  • Avian Premium Finance is currently licensed in California, Oregon and Texas.
  • Does Avian finance Broker Fees?
  • Avian Premium Finance offers a great program offering agents the ability to finance their broker fees to avoid a higher down payment. Call us for details.
  • Does Avian ask for sensitive information to complete agreements?
  • Avian Premium Finance works closely with General Agents and Insurance Carriers to avoid asking for any sensitive information. Avian will never ask for Tax ID or Credit Score.
  • Do I have the ability to add Producer Fees?
  • Avian Premium Finance offers agents with the ability to share in the interest revenue. Agents may select 0% to 4% Producer Fees.
  • Which insurance carriers does Avian accept?
  • Avian Premium Finance is able to finance "B+" rated or better with AM Best. Non-rated Carriers will have to be reviewed and audited to verify if they may be acceptable.
  • How do I get appointed with Avian?
  • Click on "Get Appointed" complete and submit the form. Our Avian Team member will be in contact with you within one business day.
  • What insurance policies does Avian accept?
  • Avian Premium Finance has a wide range of insurance policies that are financeable with the exceptions of bonds, workers comp, auditable policies, payroll policies, flood insurance, and any other policy that does not accept outside financing.
  • Does Avian have a minimum/maxium financing limit?
  • Avian Premium Finance can accept loans as low as $250.00 and any loans over $800,000 please contact (818) 333 5900.
  • How can I submit premium finance loans to Avian?
  • Depending on your agency convenience we can accept loans via fax, email, mail, or for instant submission they can be electronically signed.
  • What is Minimum earned Premium?
  • Minimum earned premium is the a portion of the premium that is fully earned by the company and must be collected in the down payment.
avian Premium Finance logo

2550 North Hollywood Way Suite 201
Burbank, CA 91505

Customer Service (818) 333 5900
Fax: (818) 333 5901
Email: service@avianpremiumfinance.com

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Office Hours

Monday – Friday 8:00AM to 5:00 PM
Saturday Closed
Sunday Closed

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