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Standard Premium to Present Strategic Priorities and Growth Trajectory at 2026 Annual Shareholders Meeting

Tue, 21 Apr 2026 14:48:43 GMT

Click here to see the full article on Globe Newswire .

MIAMI, April 21, 2026 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, today announces its Annual Shareholders Meeting on June 12, 2026 in Miami, FL. The meeting will update shareholders on Standard Premium’s compelling financial results, including 24% net income growth, an increase of 14% to the Company’s receivables portfolio and $158 million in loan originations. The meeting will also provide shareholders with the latest news on the Company’s growth trajectory, including ongoing initiatives to achieve licensing in all 50 states, a review of strategic goals implemented over the past year and opportunities for continued success that are critical to long-term value creation.

“Our 2025 and early 2026 performance reflects disciplined execution across Standard Premium and a clear strategy for growth,” says William Koppelmann, CEO, Standard Premium. “We’re entering this next phase with strong momentum and a continued focus on expanding opportunities that support long-term shareholder value.”

Shareholders of record as of April 13, 2026, are entitled to attend and vote on matters brought before the meeting, including the election of directors, advisory matters on executive compensation, and flexibility in the size of the board of directors. Shareholders have the option to vote easily and securely online, by telephone, mail or in person at the meeting. Detailed instructions are included in the Company’s official proxy materials.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 43 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 20, 2026 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com .

Media:

Nicholas Turchiano

CPR Marketing

nturchiano@cpronline.com

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Insurance Luminaries Finalist William Koppelmann Leads the Charge for Expanded Federal Disaster Coverage

Mon, 13 Apr 2026 15:10:46 GMT

Natural disasters continue to impact the U.S. at an alarming rate. Between 2020 and 2024, the country experienced 115 weather and climate related disasters with losses exceeding $1 billion in damage, contributing to an estimated $2.915 trillion in total losses. That period averaged 23 major disasters annually, with 2024 alone accounting for 27 billion-dollar disasters.

Recognizing the growing severity of this issue, William (Bill) Koppelmann, CEO, Standard Premium, became a well-established thought leader on this topic in the specialty finance and premium insurance industry. Throughout 2025, Bill advocated for expansion of federal disaster insurance coverage to include wind and fire damage.

Gaining traction for his advocacy efforts, Bill has been named a finalist in the Thought Leadership category for the 2026 PropertyCasualty360 Insurance Luminaries Award further solidifying himself as an expert on the subject of expanding federal disaster insurance.

The Significance of The PropertyCasualty360 Luminary Awards

The PropertyCasualty360 (PC360) Insurance Luminaries Awards recognize the innovators and leaders driving meaningful change across the insurance industry. This prestigious program highlights individuals and organizations that are raising the bar and advancing excellence within the Property and Casualty industry. PropertyCasualty360 showcases those shaping the future of the industry, with this year’s honorees reflecting key trends and leading what comes next.

Being recognized by PC360 exemplifies a commitment to meaningful change in the insurance industry and challenging the status quo. The individuals selected as finalists saw an issue in the industry and became vocal leaders for industry wide change.

From Industry Insight to National Advocacy

Living in Miami, FL, Bill has been familiar with hurricanes for a good portion of his career. He has been an advocate for expanding federal disaster insurance programs for years, but after seeing back-to-back hurricanes in hurricane Helene and hurricane Milton tear through the east coast, mainly impacting Florida and North Carolina, he knew something needed to be done to protect the livelihood of those impacted.

Bill quickly advanced his efforts from hurricane related disaster coverage to more broad federal disaster coverage initiatives, including expanding flood insurance coverage for those impacted by the Texas floods and wildfire insurance for those impacted by the wildfires in California. His published white paper, “ The Role of Federal Insurance Programs in Mitigating the Impact of Natural Disasters ”, the first of his many initiatives, provided insights into the essential role of federal insurance programs for managing financial risks from increasing natural disasters, he highlighted the need for aiding community recovery and enhancing long-term resilience.

Gaining traction from the white paper and featured articles in esteemed publications, Bill was invited to speak on AM Best's podcast further discussing the need for the expanded coverage. Bill also detailed the importance of expanding federal disaster coverage in a key industry publication, Insurance Thought Leadership where he described the need for this expansion in high-risk markets. With natural disasters on the rise, the timing of the white paper and subsequent coverage positioned Bill as a thought leader on federal disaster insurance coverage, and he consistently advocates for expanded coverage to help protect high-risk areas before a disaster strikes.

Expanding the Scope of Bill’s Thought Leadership

Throughout the year, Bill continued to contribute to meaningful, industry-facing content to prominent publications. Primarily acknowledged as a thought leader in specialty finance and insurance premiums for businesses, he was invited to showcase his expertise in CityBiz where he articulated the growth of Standard Premium and communicated what agents and carriers should be looking for when evaluating a premium finance partner.

Additionally, his article published in Real Estate Finance Journal detailed the need to expand federal disaster insurance coverage with a real estate focus. This positioned Bill as a thought leader on this topic, not just for general business, but also for specific real estate purposes.

A Look Ahead

In addition to contributed media content, Bill actively speaks at trade and investor conferences detailing Standard Premium’s growth trajectory and the outlook of the premium insurance and specialty finance industry. His efforts to advocate for the industry and actively demonstrate thought leadership continue to push the boundaries of specialty finance and premium insurance to better shape the future of the industry. He has truly established himself as a trusted authority and expert, consistently providing valuable, innovative, insight-driven content.

A Final Thought From Bill

“We’re seeing insurers pull out of markets or raise premiums to unsustainable levels, federal programs offer a safety net, but it’s incomplete and must be expanded to cover all climate-related disaster threats.”

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On the Road with Standard Premium: Insights from the National Investment Banking Association 152nd Conference

Mon, 06 Apr 2026 19:15:44 GMT

The Standard Premium (OTCQX: SPFX) team was back on the road last month traveling up I95 to Fort Lauderdale for The National Investment Banking Association (NIBA) 152nd Investment Conference . The team, led by William (Bill) Koppelmann, CEO, and Brian Krogol, CFO, joined members of the micro-cap and small-cap investment community where they gave a captivating presentation to an audience of over 100 attendees on the company’s growth trajectory, goals for 2026, an outlook of the premium insurance industry, and a financial snapshot of the company. The presentation dove into the mechanics of a unique industry roll-up opportunity available to Standard Premium as the only publicly-traded insurance premium finance company.

What is the NIBA Conference?

Since 1982, the National Investment Banking Association (NIBA) has supported the micro-cap and small-cap investment space. Over the years, it has organized more than 150 investment conferences, connecting public and private companies with the broader financial community.

Through its extensive network, NIBA has helped facilitate over $100 billion in capital formation and has played a role in the vast majority of IPOs under $20 million. Today, the organization brings together thousands of investment professionals across more than 60 industry disciplines, including a community of over 8,800 registered representatives.

Standard Premiums Presents Compelling Data About the Company and Industry

An Important Correction to the NIBA Conference Book

We would like to point out an important correction to the NIBA conference book that was sent to attendees. Specifically, SPFX is, of course, profitable and the incorrect statement “Net Loss and Loss Per Share” should have been Net Income and Earnings per Share. We would like to direct your attention to the correct table below:

FINANCIAL HIGHLIGHTS: ( A indicates Actual; E indicates Estimated) Fiscal Years Ending Dec. 31

Looking Ahead

After attending the conference, Bill had this to say:

“This event was an ideal forum for engaging with industry peers, sharing perspectives and articulating the opportunities that fuel the execution of our next phase of growth. As we continue to scale our business through state licensing approvals, expand our $115 million credit facility and continue building out our acquisition pipeline, this was the perfect opportunity to engage with members of the investment banking community and share our disciplined specialty finance platform.”

As we follow up with the connections we made at the conference, we welcome the opportunity to discuss how SPFX fits into your investment strategy and answer any questions you may have about our business model, growth plans or investment structure.

Contact Brian Krogol

Phone: (800) 592-7753 ext. 220

Email: bkrogol@standardpremium.com

LinkedIn: Brian Krogol

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Quarterly vs. Semiannual Reporting: What’s at Stake for Investors and Lenders

Mon, 30 Mar 2026 16:12:13 GMT

In an effort to encourage more corporations to consider an Initial Public Offering (IPO), the U.S. Securities and Exchange Commission (SEC), is considering changing a longstanding system by making quarterly earnings reporting discretionary. The SEC regulates public corporations and enforces financial disclosure rules to provide timely, accurate financial information to help investors make informed investment decisions.

Currently, publicly traded corporations report their financial performance every quarter. The SEC is considering a new requirement that would allow these corporations to only report their financial performance semiannually. Eliminating mandatory quarterly reporting represents a significant deviation from the 50-year standard.

Some support the proposed change because they believe it would reduce compliance costs and incentivize more corporations to become publicly traded. However, others oppose the proposed change because investors that depend upon timely and consistent financial disclosures may have to wait for the necessary financial data to facilitate efficient capital allocation.

Timeliness Is a Core Principle

To provide financial information that is current and relevant, timeliness is essential. Timeliness is a defined qualitative characteristic of useful financial information, according to the Financial Accounting Standards Board Conceptual Framework . The usefulness of financial information is diminished with each delay between reporting periods.

Publicly traded corporations exist in an environment where investors, lenders and other stakeholders base their decisions on the financial data that is currently available. Therefore, if the reporting periods for publicly traded corporations are reduced to semiannual reporting, there is a higher risk of outdated data and therefore, poor decisions.

Well run corporations typically generate accurate internal financial statements on a monthly basis. It is unreasonable to assume that quarterly reporting will be too burdensome. It is simply an expectation of those that participate in the public markets.

Capital Allocation Depends Upon Current Data

Effective capital allocation requires access to both timely and accurate data. Investors use the most recent reports to evaluate the performance and risks associated with the corporation. Lenders utilize the most recent financial data to determine credit worthiness and structure lending accordingly. The proposed infrequent reporting would limit investors’ ability to make informed decisions using stale data.

Infrequent reporting would limit the visibility of a corporation’s financial position and ultimately, affect the allocation of capital across markets.

Increased Risk of Information Asymmetry

Additionally, reduced reporting frequency creates increased risk of information asymmetry. Where corporate management operates with real-time financial data, external stakeholders are provided with less frequent updates, thereby creating an unequal distribution of information.

With this growing gap:

Investors may lose confidence in reported valuations.
Risk assessment becomes more difficult.
Market participants may begin to rely more on assumptions than data.

The lack of transparency created by this dynamic negatively impacts the overall transparency of the market.

Impact on Market Stability

Reporting frequency can have implications for market behavior. When a corporation reports its earnings at irregular intervals, it may compel other investors to attempt estimating what the earnings actually were.

These estimates -- or rather, speculations -- create investor reliance on a lot of guesswork and less on actual data. This leads to stock price movements that are less about the fundamental characteristics of the corporation and more about investor expectations.

Furthermore, when the financial statements are finally issued, the price adjustment is likely to be larger.

Costs Associated with Compliance

Proponents of reducing reporting frequency do so based on lower compliance costs.

However, reducing the reporting frequency is not the only method to address increasing compliance costs. A more focused approach would be to examine the scope of disclosures within financial reports.

By streamlining reporting requirements and focusing on material information, the complexity and cost of reporting can be reduced while maintaining the benefits of timely reporting. Reduced reporting frequency provides for improved operational efficiency, while maintaining transparency.

Standard Premium and Reporting Frequency

At Standard Premium , timely access to financial information is a key element in assessing risk, determining appropriate financing and managing risk.

As a provider of insurance premium financing, our ability to assess financial stability, structure lending appropriately and manage risk is dependent upon having access to consistent and reliable financial data.

Should reporting frequency be reduced, there would likely be less current external financial information across the market. In such an environment, lenders would likely rely more heavily on internal analysis and alternative data sources to maintain the same level of discipline in underwriting.

For corporations, this emphasizes the importance of maintaining good financial visibility and planning, especially since operating costs, including insurance premiums, are subject to fluctuations.

Future Outlook

The SEC proposal is currently being considered and has not yet been formally adopted. Once approved, it will go through a formal public comment period prior to any final decision. The proposal has raised a broader question regarding the balance between reducing regulatory burden and maintaining market transparency.

For nearly 50 years, quarterly reporting has provided a consistent framework for providing timely financial information. Any potential changes to this framework should carefully weigh the roles of transparency and timeliness in providing for efficient and stable markets.

Access to current, reliable financial data is a critical component of informed decision-making for market participants.

Contact Standard Premium today to learn how we can help you maintain flexibility, manage risk and make more informed financial decisions.

Contact Brian Krogol

Phone: (800) 592-7753 ext. 220

Email: bkrogol@standardpremium.com

LinkedIn: Brian Krogol

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Forbes Feature - How Finance Leaders Can Drive Cross-Functional Change

Mon, 30 Mar 2026 15:40:52 GMT

Click here to see the full article on Forbes .

Digital transformation in the finance industry is as much about people as it is about technology. Managing cross-functional teams through this process requires aligning priorities, overcoming resistance and ensuring every stakeholder understands the value of change.

Without strong leadership to align strategy and communication, even the most advanced tools can fail to deliver meaningful results. Below, members of Forbes Finance Council share the biggest leadership lessons they've learned from guiding cross-functional teams through digital transformation and how those lessons continue to shape their approach today.

1. Fixing Infrastructure To Unlock Team Performance

Infrastructure is culture. Leading cross-functional digital transformation taught me that vision isn’t enough. If ops, tech, compliance and service teams are fighting broken tools and batch processes, that’s not a people problem; it’s an infrastructure problem. Give teams real-time data and automated workflows, and they stop firefighting and start building together. - Bill Capuzzi , Apex Fintech Solutions

2. Clarifying The 'Why' And Decision Ownership Early

It’s important to articulate the "why" early and often so that teams are anchored. Transformation can go sideways when teams align on the goal, but not the outcome, and they lack a clear, accountable decision-maker. High-performing teams know who the key stakeholders are and who is ultimately making decisions. - Cody Banks , Velera

3. Prioritizing People Over Technology Adoption

Digital transformation is about leading people through change. The technology and transformation will only be as successful as the people’s ability to accept and implement change. Involve those with hands-on keys and those who interact with products and customers as early and as often as possible, and ensure they very clearly see the value and take ownership of the transformation to ensure success. - Shannon Power , Shabrae Strategic Advisors

4. Aligning Incentives, Language And Goals Across Teams

My biggest lesson is that transformation is more human than technical. Progress stalls when teams don’t share context or trust. The real work is aligning incentives, language and goals across functions so technology becomes an enabler of better decisions, not another layer of complexity. The key to success is sustained, transparent communication that keeps everyone anchored to the same outcomes. - Marthin De Beer , BrightPlan

5. Understanding The Full Digital Ecosystem

Everyone must be aligned on the company’s digital landscape—how systems integrate internally and externally to communicate, decide and execute efficiently. Digital transformation didn’t start yesterday; we’re now in a hyper-accelerated phase with AI and global reach. The best leaders adapt fast and lead through it. - Caroline Farah Lembck , LemVega Capital

6. Building Systems That Continuously Improve Outcomes

AI, automation, cloud platforms and emerging quantum capabilities don’t deliver impact in isolation. The real unlock comes from designing flywheel distribution models—systems where better data fuels smarter models, smarter models drive better decisions and those decisions generate outcomes that continuously strengthen the system. - Jacob D. Frankel , Beyond Alpha Ventures L.L.C.

7. Creating Shared Visibility Across Departments

Transformation requires uniting teams around a central mission and making sure we all have visibility into each department’s contributions. For us, that means monthly cross-functional meetings where each team shares their roadmaps and plans so we all see how their work connects to our goals. Those meetings help make transformation a shared vision instead of a mandate. - JB Orecchia , SavvyMoney

8. Starting With Small Wins To Build Momentum

The biggest leadership lesson from managing cross-functional teams through digital transformation is that it's best to begin with use cases where "wins" can be accomplished to encourage team members to ask for more. The benefits must be tangible, such as additional revenue, reduced cost or improved productivity. Broad pronouncements about digital transformation are not effective. - Kevin Cohee , OneUnited Bank

9. Earning Trust By Solving Real Pain Points First

Everyone wants transformation overnight, but it's a moving target; you don't just do it for a year, and you're done. Meet people where they are. Don't lead with, "Here's new software." Lead with, "What's eating your time?" Remove the pain first, earn the trust and then adoption follows. Nobody changes their workflow because the CFO told them to. You need to show why it matters to their day. - Mike Whitmire , FloQast

10. Focusing On Adoption Over Implementation

The biggest challenge in digital transformation is adoption, not implementation. When teams resist change, the cost shows up fast—in wasted time, people effort and underutilized technology. Finance has to champion adoption because we see the full cost of partial change and the value of getting it right. - Cynthia Hemingway , Fourlane, Inc.

11. Leading With Outcomes, Not Just Tools

Digital transformation isn’t a technology project–it’s a leadership test. You have to align teams on outcomes first, then stay close to the work to remove friction and stay curious about what’s not working. At our company, closing the gap between what advisors and investors expect and what the industry delivers requires clarity, humility and a commitment to learning as we modernize the platform. - Lou Maiuri , AssetMark

12. Demonstrating Value Before Driving Change

Digital transformation doesn't occur overnight. Employees tend to resist change, especially when something seems to be working. Demonstrating the value, security, necessity and efficiency of new technological processes needs to begin before implementation. - Brian Krogol , Standard Premium Finance (SPFX)

13. Aligning Regulation, Finance And Technology Early

Digital transformation in finance isn’t a technology challenge—it’s a mindset challenge. My biggest lesson has been that regulation, finance and technology teams must work as one from day one. When those areas move separately, projects stall. When they align around execution and trust, innovation moves fast and safely into real markets. - Hector Torres , TR Capital

14. Unifying Incentives Before Aligning Systems

My biggest leadership lesson is this: Align incentives before you align systems. Cross-functional teams do not struggle because of technology. They struggle because compensation, KPIs and accountability are pulling in different directions. If you do not unify what success looks like, departments will quietly protect their turf. Strong leadership exposes misalignment first. - Karla Dennis , KDA Inc.

15. Addressing Decision Rights And Power Shifts

Alignment fails when people think the project is about technology instead of decision rights. Digital transformation only works once teams know what decisions move to systems, what decisions stay human and who loses control. Resistance isn’t about tools. It’s about perceived loss of authority, relevance or risk. Address power shifts early, and execution speeds up. Ignore them, and the tech stalls. - Anatoly Iofe , IceBridge Financial Group, LLC

16. Making Bold Decisions With Unified Leadership Support

My biggest lesson is being bold enough to make hard calls. I automated processes that eliminated roles—uncomfortable but necessary. The key was securing cross-functional leader alignment upfront: Everyone understood the rationale, agreed on the approach and supported it publicly. Without boldness and unified leadership, transformation stalls. Progress requires tough decisions. - Pallav Sharma , EvoluteIQ Inc

17. Turning Resistance Into Strategic Input

Identify the most resistant member of your team. Do not force them to learn "how." Ask them to help you define the "why." Make them the historians of the future, charging them with teaching the AI what it cannot know: the nuance of human judgment. - Elie Nour , NOUR PRIVATE WEALTH

18. Measuring Success Through Tangible Productivity Gains

A critical leadership lesson is that adoption and measurable value are critical. Most often, new technology initially slows teams down; therefore, unless it delivers a meaningful 20% and productivity gain, it’s likely not worth the disruption. As a leader, we need to prioritize adoption and outcomes over novelty. - Leo Anzoleaga , Leo Anzoleaga Group at Luminate Bank

19. Redesigning End-To-End Workflows, Not Just Features

The biggest lesson: Map interdependencies before you map features. In finance, one workflow touches risk models, controls, reporting and customer experience. If you digitize a step without redesigning upstream and downstream handoffs, you just automate friction. Cross-functional wins come from redesigning the end-to-end value chain—not upgrading isolated tools. - Achal Singi , WestBridge Capital

20. Staying Humble And Adapting Through Feedback

The biggest lesson was humility. I've been wrong about what teams needed, what would work and what people were ready for. Digital transformation taught me to prototype, get feedback and adjust—not to assume I had all the answers upfront. The leaders who struggle most are those who can't admit their first plan wasn't perfect. - Gary Allen , LeanLaw

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Forbes Feature - Wealth Migration To And From Florida: Insurance Premium Consequences

Wed, 25 Mar 2026 15:35:23 GMT

Click here to see the full article on Forbes .

Brian Krogol, CPA , CFO of Standard Premium Finance (OTCQX: SPFX), gained recognition for earning the prestigious Elijah Watt Sells award.

The Sunshine State has always been an attractive lure for wealthy individuals, entrepreneurs and financial experts due to the lack of state income tax and a favorable business environment. During and after the Covid-19 pandemic , this wealth migration to Florida was exacerbated by an influx of relocations due to the availability of remote work and other migration drivers. This led to a significant increase in capital, investment and high-end real estate development across the coastal areas of Florida. However, recent reports have shown that the net migration to Florida has cooled dramatically, by approximately 93% , as rising costs for real estate and insurance and the heightened risk of natural disasters have reversed the migration trend.

The explosion of economic development that resulted from the pandemic wealth migration has been widely recognized, with unintended consequences affecting the insurance industry. However, these issues have only just made their way to broader attention and become a topic of conversation. While Florida continues to attract wealthy residents, it is a volatile region, vulnerable to hurricanes and coastal flooding. The value of insurable assets increases proportionally with the potential financial losses from natural disasters.

Over the past few years, studies have indicated over $4 million of wealth migrating to Florida per hour, culminating in billions of dollars flooding the popular coastal community. As of late 2025, Florida was still the number one state for net income migration and the 15th largest economy in the world . The wealth migration is not isolated to residential real estate but is also seen across business, investment firms and tech companies that are establishing themselves in Florida, particularly in the South Florida region.

Concentrating Risk In High-Value Coastal Markets

In terms of insurance, this migration has a direct impact on the level of risk exposure. With high-value residential properties, high-end condominium developments, office buildings and commercial properties concentrated in coastal areas, the potential for catastrophic loss increases. The result affects the premiums that must be paid for insurance, as the overall value of the properties being insured increases.

Florida is already one of the most complex insurance markets in the United States since it is vulnerable to wind damage and flooding. The sudden burst in high-value properties on the market brings with it a conundrum of how to balance the potential for growth with the potential for catastrophic loss.

In recent years, some legacy insurance companies have withdrawn from the Florida market or scaled back their operations due to rising claims costs and litigation pressures. At the same time, new companies have entered the market in order to capitalize on the growing demand for property and casualty insurance. This is a classic case of a dilemma, as the growing economic base of Florida presents a tremendous opportunity for insurance companies, but it also presents a tremendous risk of catastrophic loss.

Financial Reality Of Increasing Premium Costs

The financial implications of this situation can be very burdensome for property owners and businesses alike. For example, insurance premiums on large commercial properties or high-value residential properties located in coastal areas can easily exceed $100,000 per year. Many times, the insurance company will require payment of the entire premium prior to commencing the policy term.

Managing the increasing costs associated with these types of policies while maintaining liquidity is an essential part of the risk management function for companies in capital-intensive industries and regions with a high level of catastrophe risk. Managing the cost of insurance premiums represents a major expense for many businesses and should be factored into their overall planning process, along with other large expenditures.

Role Of Disasters In The Insurance Industry

A much larger issue exists than any specific policy. As more wealth and infrastructure are built in areas that are prone to disasters, the financial effects of disasters have increased in magnitude and complexity. This problem isn’t isolated to Florida. Wildfires across California, flooding in Texas and hurricane damage along the East Coast have all been in the headlines these past few years.

Over the last few decades, the U.S. has experienced a substantial increase in the total dollar amount of losses caused by disasters primarily because of the increased frequency of extreme weather events and the increasing values of exposed assets in areas that are prone to disasters.

Historically, federal programs such as the National Flood Insurance Program (NFIP) were created to fill the void where private insurers could not offer reasonably priced options for catastrophes. If additional wealth is attracted to areas that are prone to disasters, it is possible that the insurance industry will need to review its current disaster insurance systems to determine if they are adequate for the future.

The availability of insurance programs can address a coverage availability issue, but the affordability crisis presents an additional complication. What was once the entire annual premium may now just cover a small fraction of the total cost. These increasing costs are exceedingly difficult for households with little to no savings and small businesses on tight budgets. Insurance premium financing offers a complementary solution that makes insurance more accessible.

Looking Forward

There are a number of lessons from the history of Florida's growth that may be applicable to the insurance industry. The factors that have contributed to the economic success of Florida are similar to those that will result in the continued migration of wealth and population to areas with a high potential for damage from hurricanes and other natural disasters.

As a result, it will become increasingly important for insurers, investors and policymakers in the future to fully appreciate the complex interrelationship of capital migration, risk aggregation and insurance premium pricing. As wealth and populations continue to concentrate in areas with a high potential for loss from disasters, the financial systems supporting insurance coverage must evolve accordingly.

The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.

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Has Florida’s Wealth Migration Met Its Breaking Point?

Thu, 19 Mar 2026 19:33:30 GMT

Florida has become a desired destination for the wealthy who primarily settle in the states coastal cities such as Miami, Fort Lauderdale, Boca Raton and Tampa. The Sunshine State has seen a growing number of affluent individuals migrate from high-tax states to capture new financial opportunities.

However, even with the influx of wealth migration, Florida is seeing total migration slow. Over the last 3 years Florida’s migration has cooled dramatically, by approximately 93%, as rising costs for real estate and insurance, and the heightened risk of natural disasters, has reversed the migration trend.

Is Florida Facing an Affordability Crisis?

In 2025, Florida saw just 22,517 new residents move in from domestic migration. This low number, coupled with an increasing number of residents moving out of Florida, has led to questions about whether Florida is in an affordability crisis.

Although affluent newcomers are moving to the state, companies requiring employees to return to office post-Covid-19 and the threat of natural disasters are resulting in Florida seeing a growing number of lower income residents leave the state.

Affluent individuals that move to Florida are looking for, and building, new luxury residences that many Florida natives cannot afford, especially considering that Real Estate and Development accounts for 22% of Florida’s wealth profile in 2026. This raises the cost of living and also isolates the people that cannot afford the “new norm”, suggesting the existence of an affordability crisis.

Wealth Migration Drives Costs Up

The obvious cost implications from the wealth migration are seen in housing affordability . However, an overlooked aspect is the costs on businesses, specifically the volatile insurance cost drivers.

Focusing on property and casualty insurance premiums, it’s clear to see they have risen sharply in recent years . The most impacted regions of this spike are the coastal and high-risk areas that are susceptible to hurricanes. Businesses are now also tasked with managing this new cost burden. As premiums increase, the cost to insure locations, protect assets and maintain required coverage is becoming more challenging.

This shows that the growing affordability crisis in Florida extends well beyond individual residents, it impacts businesses just as hard, where rising and unpredictable expenses are impacting how businesses operate, grow and invest.

Flexible Financing is Where Standard Premium Fits In

As the pressure from increasing costs intensify, businesses are looking for ways to better manage large, recurring expenses without disrupting day-to-day operations. For many businesses, insurance premiums must be paid upfront, creating a substantial cash outlay that can strain working capital, particularly as premiums rise.

Standard Premium plays a key role in helping businesses navigate this challenge by offering flexible premium financing solutions that allow companies to spread insurance payments over time. This approach enables organizations to preserve liquidity, maintain coverage and better align expenses with cash flow.

Through Standard Premium’s flexible financing solutions, we help establish better payment performance, lowering risk for delinquency and increasing long-term relationships with clients. Our flexible financing solutions free clients from a rigid payment cycle and allows them to collaborate with us on a financing solution that works best for them.

In a market like Florida, where insurance costs are both elevated and unpredictable, this flexibility becomes increasingly important. Rather than absorbing large upfront costs, businesses can structure payments in a way that supports ongoing operations and financial planning.

As affordability concerns continue to grow, the focus is shifting from reducing costs to managing them more effectively. For many businesses, that shift is becoming essential to staying resilient and prepared for Florida’s new wealth environment.

Looking Ahead

It’s crucial that we continue to monitor Florida’s growth trajectory, and while the state remains attractive to wealth and investment, the conditions that once made it an easy financial decision are becoming more complex.

Migration may continue, but at a slower and more selective pace since rising housing costs, increasing insurance premiums and ongoing climate risks are likely to play a larger role in shaping where people choose to live and work.

As costs continue to rise and uncertainty becomes the norm, businesses can’t afford to take a reactive approach to managing expenses. The question is no longer just whether Florida is growing, but who that growth ultimately serves.

If you are looking to take control of your insurance strategy, contact Standard Premium today to learn how a national presence in premium financing can help you protect assets, maintain coverage and operate with greater financial flexibility.

Contact Brian Krogol:

Phone: (800) 592-7753 ext. 220

Email: bkrogol@standardpremium.com

LinkedIn: Brian Krogol

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Forbes Feature - Finance Strategies: How To Encourage Experimentation And Risk-Taking

Wed, 11 Mar 2026 15:31:44 GMT

Click here to see the full article on Forbes .

Innovation often hinges on a company’s willingness to test new ideas and take calculated risks. Yet experimentation can feel at odds with the finance industry's traditional focus on control, predictability and cost management. Striking the right balance requires intentional leadership and a supportive framework to empower teams, allocate resources strategically and build a culture where smart innovation can thrive.

To help organizations foster creativity without compromising financial discipline, Forbes Finance Council members share practical strategies for supporting experimentation and thoughtful risk-taking.

1. Balancing Innovation With Governance And Accountability

Experimentation works when it has guardrails. It's important to balance innovation with discipline: clear standards, strong governance and an advisor‑first mindset. I encourage teams to test ideas quickly, but we pair that with rigorous review so we learn fast without creating noise. Creative risk‑taking succeeds when people are empowered to explore and be accountable for outcomes. - Lou Maiuri , AssetMark

2. Sparking Creative Solutions Through Cross-Functional Think Tanks

Experimentation is a crucial resource of a dynamic company. A simple way to implement this is through cross-functional think tank sessions. Before each session, choose a specific bottleneck, problem or opportunity affecting the company. Lead a group discussion focused on this item. Even if a solution isn't reached during the session, it can stimulate creative thought processes and an open culture. - Brian Krogol , Standard Premium Finance (SPFX)

3. Encouraging Early Testing With Clear Risk Guardrails

In fast-moving industries, it’s often better to be first than to wait to be perfect. Finance leaders should create space for teams to test ideas early, learn quickly and improve along the way. Innovation comes from responsible experimentation, not from avoiding risk—as long as there are clear guardrails to manage it. - Hector Torres , TR Capital

4. Funding Disciplined Pilots And Redefining ROI For Innovation

Finance leaders enable experimentation by funding disciplined pilots, ring-fencing innovation budgets and redefining ROI beyond short-term earnings. Set clear risk thresholds, reward intelligent failure and tie incentives to learning velocity—not just margin. Governance should de-risk the downside while protecting the upside of bold ideas. - Faustino Júnior , FG Investimentos

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5. Sponsoring Innovation And Rewarding Breakthrough Thinking

Finance isn’t seen as risk-taking, but emerging tech demands experimentation. Leaders can encourage this by rewarding breakthrough ideas and launching CFO-sponsored innovation projects that teams can lead. The key is to give equal support and recognition to these efforts, whether they succeed or not, to build a culture that values smart risk-taking. - Terrence McCrossan , Oversight Systems

6. Transforming Finance From Gatekeeper To Growth Partner

Drop the "department of no" mentality. The old bean-counter reputation, where accounting is overly conservative and risk-averse, is over. Free your team from the manual grind of close processes, reconciliations and repetitive tasks, so they have headspace to think. When someone brings an idea, don't default to saying, "We don't have a budget." Instead, ask, "What's the return?" That's how you become a growth partner. - Mike Whitmire , FloQast

7. Turning Bold Ideas Into Measurable, Testable Assumptions

Shift the approval lens from “Will this work?” to “What must be true for this to work?” Then quantify those assumptions and track them weekly. Finance enables creativity by turning bold ideas into testable theses. When assumptions are explicit and measurable, risk becomes analyzable—not political. - Achal Singi , WestBridge Capital

8. Modeling Responsible Risk-Taking From The Top

Finance leaders can support experimentation by modeling appropriate behavior around risk-taking themselves. Business leaders who aren’t afraid to admit uncertainty around creative risk-taking set the tone for the organization overall. With appropriate guardrails and boundaries in place, business leaders can encourage creativity among their teams while still avoiding unnecessary risk. - Eyal Lifshitz , Bluevine

9. Responding To Failure With Accountability And Learning

The best measure of leadership's support for risk-taking is how we handle results when things go wrong. If we accept responsibility—rather than point fingers—and focus on how to improve— rather than solely focus on what went wrong—our team members will have confidence that we truly support experimentation. You cannot experiment without experiencing setbacks. - Kevin Cohee , OneUnited Bank

10. Creating Safe Boundaries And Budgets For Testing Ideas

Finance leaders say they want new ideas, but they shut people down the minute something does not work. That kills creativity. If you want smart risk-taking, set clear boundaries and a small budget for testing ideas. Make it safe to try, but clear that effort and learning matter. If every idea has to be perfect before it starts, nothing new will ever happen. - Karla Dennis , KDA Inc.

11. Setting Clear Loss Limits And Separating Learning Metrics

Give teams bounded risk, not open risk. Set clear loss limits like time, budget and downside, define what success looks like and agree upfront on when to stop. That turns experiments from career risk into controlled trials. Also, separate learning metrics from performance metrics. If people are judged only on short-term efficiency, they’ll avoid smart risks. Reward insight gained, not just wins. - Anatoly Iofe , IceBridge Financial Group, LLC

12. Building Structured Lanes For Smart, Agile Risk-Taking

Innovation from the top down is organized but dumb; innovation from the bottom up is chaotic but smart. Finance can navigate this by creating lanes for risk-taking: different processes for small, reversible bets versus company-level gambles. Ensure finance processes anticipate change through agile planning, rolling forecasts and scenario modeling. Celebrate smart failures and the courage to learn. - Bryan Lapidus , Association for Financial Professionals

13. Lowering The Cost Of Failure Through Small-Scale Pilots

The best thing finance can do is lower the cost of failure. Create small-scale pilots instead of big bets. Help the firm run a three-month experiment with a new service offering before committing fully. When failure is cheap and learning is fast, people take more creative swings. Finance should design those guardrails, not block the attempts. - Gary Allen , LeanLaw

14. Treating Innovation As A Milestone-Based Investment Portfolio

Finance leaders must prioritize learning over certainty and treat innovation as a disciplined portfolio. By employing milestone-based funding, released in tranches to incentivize progress, teams can move quickly while protecting capital. “Smart failures,” then, are treated as preserved option value rather than career risk, improving the probability of success. - Rabbi Yechezkel Moskowitz , Synergos Holdings

15. Building Confidence Through Collaborative Experimentation Models

It is often hard to support experimentation when margins are tight and ROI is being tracked closely. It's easier to find resources for the few employees who are excited by experimentation, but harder for those who are scared to try. I've built a "We" model so that more nervous staff get a buddy in order to test their idea's validity. This has slowly built the confidence of more staff to try new things. - Janice Stucke , CREW Network

16. Allocating A Portfolio For High-Risk, High-Reward Ideas

Create a "Portfolio of the Improbable." Allocate a specific, small percentage of your budget to ideas that "should" fail but "might" revolutionize. When one fails, do not ask, "Who made the mistake?" Ask, "What truth did we uncover that our competitors are still ignoring?" - Elie Nour , NOUR PRIVATE WEALTH

17. Funding Internal Ventures With A Portfolio And Ecosystem Mindset

From a venture capital perspective, finance leaders should fund entrepreneurship inside the company like a portfolio, making small bets with clear milestones and disciplined follow-on capital. Partner with the external venture ecosystem for signal and speed. Use strategic investments and mergers and acquisitions as options for the future, turning experimentation into structured, scalable upside. - Ray Wu , Alumni Ventures

18. Making Risk Absorbable Through Strong Financial Foundations

Finance leaders support experimentation by making risk absorbable, not fatal. When budgets, reserves and risk structures can handle small losses without threatening the organization, teams gain the confidence to test ideas, learn and improve. Creativity does not require reckless spending, but it does require a balance sheet built to survive mistakes. - Randy Sadler , CIC Services

19. Prioritizing Decision Quality And Insight Velocity Over Forecast Certainty

Change the questions money can ask. They want clarity on what to learn next and what decisions it will unleash. When financing focuses on decision quality rather than forecast accuracy, teams can explore directionally promising but unproven concepts. Finance excels at creative risk-taking when it allocates capital to insight velocity rather than predictable profits. - Neil Anders , Trusted Rate, Inc.

20. Embedding Thoughtful Risk Within Clear Goals And Guardrails

Leaders should give their teams clear expectations of the goals and objectives. Intentionally integrate thoughtful risk into the solution process. Giving their team permission to try different ways of solving it within clear guardrails, small stakes and defined timelines. When leaders reward insight and learning, not just success, experimentation becomes disciplined, confident and repeatable. - Letitia Berbaum , Blue Sands Wealth

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Takeaways From the DealFlow Discovery Conference: Networking, Interviews and a Compelling Presentation

Mon, 09 Mar 2026 17:06:29 GMT

The Standard Premium (OTCQX: SPFX) team recently traveled to Atlantic City, New Jersey for the DealFlow Discovery conference . In attendance, William (Bill) Koppelmann, CEO and Brian Krogol, CFO, joined a group of high-growth companies where they gave a compelling presentation on Standard Premium’s growth trajectory, goals for 2026 and an outlook of the premium insurance industry.

What is the DealFlow Discovery Conference?

The DealFlow Discovery Conference, formally the microcap conference, brings together like-minded companies, both public and private, looking to share their story and have discussions centering around raising capital, educating attendees on their industry and engaging in one-on-one meetings with potential investors.

The attendees at the conference include public & private company executives, brokerage firms, hedge funds, accredited retail investors, investment banks, lenders & private credit firms, investor relations, auditors & accountants, venture capital funds, law firms and capital markets advisors, making for an invigorating environment where companies and investors can connect, exchange ideas and explore potential partnerships and investment opportunities.

Standard Premiums Presentation and Interview Series

Standard Premium was invited to give a presentation on the company’s growth, goals for 2026 and an industry outlook. While giving the presentation, Brian gave compelling statistics about Standard Premium showcasing the Company’s continued growth. This included consistent year-over-year revenue gains, a recently negotiated $115 million expanded credit facility and new state licenses, now licensed in 42 states with our eyes set on all 50 by years end.

In addition to the presentation Bill and Brian were featured in 3 interviews. During the event, Bill sat down with Kimberly Bukowiec of The Money Channel to discuss what sets Standard Premium apart, what a typical customer looks like and how we bring awareness to Standard Premium at industry events. Watch the full interview here .

In addition to the interview with The Money Channel, Bill and Brian both participated in an interview series with the Mission Matters Podcast hosted by Adam Torres. In Bill’s interview he discussed the mission behind insurance premium finance and how we help policyholders access coverage they otherwise couldn’t afford. Bill also discussed Standard Premium’s growth plans, the role premium finance plays during rising disaster-driven premiums and what the company was looking to accomplish at the Deal Flow Discovery Conference. Watch the full interview here .

In Brian’s interview with Mission Matters, he discussed the insurance premium finance industry and Standard Premium’s goal to build stability that lasts. Brian explained how we help businesses manage large upfront insurance premiums, and how the company is pursuing long-term growth through a rollup strategy in a fragmented market. Watch the full interview here .

Looking Ahead

Bill and Brian had a great time at the event networking with many of the country’s leading investment professionals. Coming off the heels of the DealFlow Discovery conference the team will be heading to Fort Lauderdale, FL for The National Investment Banking Association (NIBA) 152nd Investment Conference on March 11-12.

With a proven track record and 30 years in the business, we continue to strengthen relationships, expand market presence and deliver consistent value across the premium finance industry. As a local presence, national power and your premium finance authority we continue to grow and scale our business to meet the evolving needs in the premium insurance industry. If you’re looking for a company for premium financing solutions that puts your interests first contact us today!

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Forbes Feature - Overlooked Capital Opportunities Hiding In Investor Conferences

Mon, 02 Mar 2026 15:25:07 GMT

Click here to see the full article on Forbes .

Brian Krogol, CPA , CFO of Standard Premium Finance (OTCQX: SPFX), gained recognition for earning the prestigious Elijah Watt Sells award.

When planning for investor conferences, teams shift their focus, prepare for weeks, travel all over the country or around the world, attend and present at meetings and then return home exhausted. Once the event is over, life returns to normal as business cards are put away, follow-ups are forgotten and what was productive during the event soon becomes overlooked.

Many executives understand this as an inevitable reality of conference participation, but it doesn’t have to be this way. In fact, my outlook on investor conferences has evolved over the years, and today, my viewpoint reflects a proactive approach based upon lived experience. The goal is to plan thoughtfully and with the intent to make the investment in time and resources pay dividends, personally and professionally. Over the years, I’ve drawn this conclusion: Investor conferences should not be viewed as closing events but rather events to build relationships with potential investors. When executed properly, they create an early familiarity that dictates capital discussions well before they are relevant.

Understanding the Mindset of Investors

From an investor’s standpoint, remember that these conferences serve an important purpose: providing a unique environment that allows for concentrated exposure and connecting on a personal level with attendees. Activities can be up front and personal, allowing investors to see and hear management teams in real time, compare and contrast their stories and understand how they communicate their business models outside of an earnings call.

Astute investors take the time to walk the floor of an industry event. They are often surprised to learn far more from this activity than what is revealed during an investor presentation. There’s so much to observe in terms of what draws interest, who communicates well under pressure and what business models spark curiosity. One-on-one conversations are a great opportunity to really get a feel for the business, well beyond the graphs and charts displayed during presentations. It’s a chance to gather competitive information and discover what makes customers and partners really tick.

Attending industry events should have purpose. When investors arrive well-prepared and open-minded, they are empowered to assess what’s worth further review. An important distinction is that it’s not about capital but about earning the right for the next discussion.

The Most Common Post-Show Mistake

The lack of personalized follow-up is the biggest mistake many executive attendees make after a conference. Investor contacts are not simply leads that require generic emails, communicating unsolicited information or asking for funding too early.

The reality of capital development is different. It’s less about how fast you can get the capital and more about how you can build credibility over time.

Treating Follow-Up As A Financial Discipline

Following up after an investor conference should have structure, and it is crucial to jot down the details of the discussion as soon as possible. At the end of each conference day, ask yourself: What questions were asked? What themes were discussed? What stage of growth is the investor focused on? Take notes now that will help focus follow-up discussions.

The first post-conference follow-up should be brief and specific, with a succinct reference to the discussion that took place. It is important to demonstrate professionalism and respect for the investor’s time. Rather than sending out reams of information or additional presentations, a better approach is to schedule future discussions or make an industry-related observation relevant to the investor’s interests. The initial contact should refrain from asking for funding.

In this manner, the executive is no longer focused on raising capital. He or she needs to be positioned as a thoughtful executive with a deep understanding of the industry and the market. An overlooked benefit of conference participation is the visibility it can provide to prospective investors and the window of opportunity to take the introductions to the next level. The reliability of this commitment shapes perceptions of a company long before any actual capital is invested.

Periodic updates that focus on real progress, thoughtful growth choices and disciplined use of capital steadily build confidence. That familiarity closes information gaps and reduces uncertainty. In public markets, it supports valuation by strengthening investor trust in management’s ability to execute and deliver on what they say.

It’s also important to note that investors don’t require continuous communication. They do pay close attention to signals of momentum, discipline and transparency. Demonstrate your thought leadership rather than selling the investment. Share articles or white papers that you or your team have developed, or relate material benchmarks.

Aligning Timing With Readiness

The most effective conversations about capital occur when timing and readiness are aligned. While conferences accelerate this familiarity, they cannot replace the need for proper preparation. All members of the management team must be clear on strategy, performance and long-term goals before moving the conversation forward.

When everyone is on the same page, it makes subsequent conversations much easier. The team is already familiar with the investor and their context, interest level and nuanced differentiators. This eliminates much of the friction that naturally exists when meeting with an investor for the first time, since there is a foundation of understanding about the business model.

In many instances, the best capital relationships are built months or even years before the actual transaction. The conference simply marks the start of this relationship.

A Long-Term View Of Investor Engagement

There’s no question that investor conferences are an important component of marketing and overall market exposure, providing broad strategic value that fuels a company’s success. A top-down commitment and full engagement from the management team to think long-term and understand the overall value of building relationships will generate meaningful interaction with the investor community. Events are the opportunity to build a network of aligned and educated capital partners.

Be patient, since the return may not be immediate. However, when executed correctly and over time, this network of relationships can have a much larger impact on the overall growth trajectory of the company than the actual meeting itself.

The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.

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Great Wealth Migration to Florida Impacts the Premium Insurance Industry

Tue, 24 Feb 2026 16:50:45 GMT

As taxes continue to increase dramatically in states like New York, California, New Jersey, Massachusetts and Illinois, affluent individuals and families are making the move to lower tax jurisdictions such as Florida . These affluent newcomers are settling primarily in coastal communities such as Miami, Palm Beach and South Florida, bringing new dynamics to the property and casualty market. Real estate brokers report that many of these newcomers come from diverse market sectors, including technology, venture capital, finance and cryptocurrency. The absence of a state income tax is a primary driver, especially for people in high income brackets, business owners, entrepreneurs and investors seeking tax-relief.

As exposure shifts, increased demand for properties, or businesses in hurricane-exposed areas elevate risk concentrations, influencing market pricing and coverage availability. This rapid population and wealth growth has the potential to place strain on legacy carriers and create opportunities for new insurers seeking to capture this expanding market.

What is Wealth Migration?

Wealth Migration is when high-income individuals move to lower-tax states or countries to find the new “hot spot” of financial opportunities. In Florida, wealth migration is happening at a historic rate , estimated at a staggering $4.48 million per hour. With billions of new net income migrating into Florida financial resources are being redirected from high-tax states to Florida, creating new opportunities and economic value.

However, this is occurring while the insurance marketplace in Florida is in a state of flux. Legacy carriers have famously left the state due to the increasing risk and size of natural disaster claims. But, wealth migration raises the competition as new insurance carriers are increasingly popping up as they try to take advantage of the increasing market size.

The Impact of Wealth Migration on Premium Insurance

Wealth migration plays an integral role in the insurance industry as wealthy individuals are more likely to seek asset protection. This extends from Baby Boomers all the way to Gen Z as individuals become more established in the workforce. With demand comes pricing increases, and new carriers looking to seize the opportunity.

While the risks do exist, this is also a great opportunity for established insurance carriers to showcase their products and services. Understanding the interplay between migration patterns, asset concentration and climate‑related perils is crucial for carriers in Florida. Carriers that align risk strategies with these evolving exposures will be best positioned for sustainable growth.

Where Standard Premium Fits In

Standard Premium is well equipped to capture this opportunity of wealth migration. As a leading specialty finance company in the premium insurance industry, Standard Premium has the tools to handle the large influx of potential clients. We are well established and our recent $115,000,000 three-bank syndicated line of credit, which is an effective 230% capacity increase, positions us to finance premiums for new businesses that pop up from the wealth migration.

We continue to place emphasis on enhancing our operations through automation within reporting and analysis workflows, helping to modernize the processes into a streamlined experience while upholding strong governance standards. This positions us for faster reporting cycles, improved decision-making and enhanced scalability for the continued growth of Florida.

Looking Ahead

The wealth migration shows no signs of slowing down. With a net annual income migration of $39.2 billion , the volume of financial resources being redirected to Florida will continue to create new opportunities for carriers.

If you are a part of the wealth migration to Florida, someone looking to change carriers or looking for your first carrier, contact Standard Premium today to see how we can get you the best rates on premium financing that you need!

Brian Krogol, CPA – CFO & Director at Standard Premium Finance Holdings, Inc.

Brian Krogol, chief financial officer of Standard Premium Finance (OTCQX: SPFX), oversees all financial strategy and planning. As a certified public accountant, he brings public company expertise in PCAOB audit standards, tax planning and SEC compliance, leading to operational improvements and enhanced financial reporting procedures. He has been central to data-driven decision making related to capital raising, underwriting policies, mergers and acquisitions and technological integrations.

Mr. Krogol gained recognition for earning the prestigious Elijah Watt Sells award. Of more than 92,000 candidates who sat for the Certified Public Accountant examination that year, only thirty-nine candidates met the criteria for this award.

Contact Brian Krogol:

Phone: (800) 592-7753 ext. 220
Email: bkrogol@standardpremium.com
LinkedIn: Brian Krogol

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Standard Premium Finance to Present at the 152nd National Investment Banking Association Investment Conference

Tue, 10 Feb 2026 15:20:30 GMT

MIAMI, Feb. 10, 2026 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, today announces that it will attend and present at The National Investment Banking Association (NIBA) 152nd Investment Conference on March 11-12, 2026, in Ft. Lauderdale, Florida. On March 12, Brian Krogol, CFO, Standard Premium, will provide attendees with compelling data and achievements that support the Company’s growth trajectory and increased national footprint, along with an industry overview that sets the stage for continued expansion.

“This event is an ideal forum for engaging with industry peers, sharing perspectives and articulating the opportunities that fuel the execution of our next phase of growth,” says William Koppelmann, CEO, Standard Premium. “As we continue to scale our business through state licensing approvals, expand our $115 million credit facility and building out our acquisition pipeline, this is the perfect opportunity to engage with members of the investment banking community and share our disciplined specialty finance platform.”

Standard Premium’s rapid portfolio growth, increased loan originations and continued year-over-year revenue gains, support the Company’s next stage of expansion. Standard Premium continues to increase its national presence through state licensing approvals, now licensed in 42 states, and support innovative initiatives for 2026 that build shareholder value.

William and Brian will be available for one-on-one meetings with investors throughout the conference. To learn more about Standard Premium or to schedule a meeting during NIBA, please contact Brian Krogol, CFO, Standard Premium at bkrogol@standardpremium.com .

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 42 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com .

Media

Nicholas Turchiano
CPR Marketing
nturchiano@cpronline.com
201-641-1911x35

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Building Financial Security and Resilience in Real Estate: Expanding Federal Disaster Insurance Programs

Tue, 20 Jan 2026 23:11:47 GMT

William Koppelmann*

In this article, the author says that expanding federal disaster insurance programs to include wind and fire coverage would represent a critical step toward addressing the growing severity of natural disasters.

The growing severity of natural disasters has placed the American real estate market under a level of strain that has not been seen in previous generations. Hurricanes that once seemed to arrive every few years now strike with greater frequency, and recently in clusters. Wildfires that once were contained to remote hillsides now rage through suburbs and towns, turning entire communities into ash. Floods appear in inland regions, overwhelming infrastructure and producing billions of dollars in losses.

The losses from disasters in the United States have nearly tripled in recent years in comparison to historical averages, exceeding $126 billion annually. The cumulative damages over the last forty-five years total nearly $3 trillion, ¹ underscoring the extraordinary burden that disasters place on households, businesses, and municipalities. Substantially all of these damages revolve around real estate because it is the foundation of household wealth and municipal financial stability. The value of an entire community erodes when homes and businesses are destroyed or made uninsurable. Mortgage markets and property tax bases shrink; the broader economy suffers destabilization.

Although arguments can be made against expanding the role of government in the insurance marketplace, the fact remains that federal insurance programs have provided a crucial backstop against disaster losses. The National Flood Insurance Program (NFIP), though not without its faults, has offered protection against flood losses where private insurers withdrew from the market or priced coverage beyond affordability. The presence of this program has allowed families to rebuild homes, businesses to reopen, and local governments to restore infrastructure more quickly than would otherwise have been possible.

Yet the scope of the NFIP highlights the limitations of the current federal protective ecosystem. Wind damage from hurricanes and fire damage from wildfires, two of the most destructive categories of modern catastrophe, ² remain largely uncovered by federal programs. Property owners must turn to private insurers, many of whom are retreating from the highestrisk markets or drastically raising premiums. In May 2025, State Farm gained permission to raise premiums by 17% on all its home insurance customers in California. ³ As a result, millions of households and businesses remain exposed to devastating financial consequences.

Consideration should be given to expanding federal disaster insurance programs to include wind and fire coverage. This expansion would have profound implications for the stability of real estate markets, ensuring that properties remain insurable, mortgage lending remains viable, and municipal tax bases remain intact. The integration of premium financing with federal programs could further facilitate a powerful synergy, allowing greater participation, while maintaining the benefits of an insurance agent relationship. This approach represents a path forward that addresses the immediate economic risks of disasters and the long-term resilience of the real estate sector.

THE EVER-RISING COSTS OF NATURAL DISASTERS

Recent decades have made clear that natural disasters are recurring features of the American landscape. The damage from hurricanes alone has risen dramatically, with 2024 offering two devastating examples. Hurricane Helene, initially forecasted to veer offshore, delivered an unexpected blow to North Carolina, inflicting nearly $79 billion in damage. Before recovery could begin, Hurricane Milton followed, producing an additional $34 billion in losses. Thousands of properties were flooded, and the NFIP became an indispensable source of relief for those with coverage. Still, many property owners discovered that they had no protection against the hurricane winds that ripped through their homes and businesses.

On the west coast, wildfires have escalated into disasters of unprecedented scale. California’s wildfire season, once confined to summer months, now stretches year-round, driven by hotter temperatures and drier conditions. The Los Angeles wildfires of January 2025 produced an unfathomable $250 billion in damages. ⁴ Entire towns were destroyed, thousands displaced, and many forced into bankruptcy because fire insurance had become either unavailable or prohibitively expensive. Federal programs such as FEMA disaster relief provided some aid, and crop insurance helped farmers offset agricultural losses, but there was no national insurance framework to cover fire damage to homes and businesses. State-level insurance pools proved insufficient, and private insurers sought to increase premiums by double digits or withdraw altogether, leaving families and real estate markets on unstable ground.

Flooding in Texas during the summer of 2025 further underscored the weaknesses of current insurance structures. Even with the existence of the NFIP, only a small fraction of households participated in the program. In Texas, just 7 percent of homes carry flood insurance, and in inland areas where floods occurred, that number falls to a mere 2 percent. ⁵ The economic damage, expected to exceed $20 billion, fell heavily on property owners who lacked coverage. These examples reveal not only the increasing frequency and scale of disasters but also the systemic vulnerabilities that emerge when federal insurance programs fail to cover the full spectrum of risks.

FEDERAL INSURANCE BRINGS STABILITY TO REAL ESTATE

The real estate market is uniquely sensitive to the presence or absence of adequate insurance coverage. The ability to finance a home or commercial property rests on the stakeholders’ confidence that insurance exists to protect the borrower and lender. When disasters render entire regions uninsurable, mortgage lending and development halts, and property values plummet. Municipal governments, which depend heavily on property taxes to fund schools, infrastructure, and essential services, lose revenue when property values collapse. The absence of insurance coverage therefore reverberates far beyond the property itself; it destabilizes the entire economic network of a community.

Federal insurance programs can fill a gap that private insurers may not reliably address. Though not without its faults, the NFIP has demonstrated that distributing risks across a national pool makes coverage affordable and sustainable, particularly in high-risk regions. By offering coverage where private markets fail, federal programs allow households to remain in their homes, businesses to continue operations, and municipalities to sustain tax bases. This stabilizing effect preserves real estate values and supports the broader credit markets on which residential and commercial development depend.

The expansion of these programs to include wind and fire coverage would create a comprehensive safety net that addresses the most destructive and costly categories of disasters. By closing these critical gaps, federal insurance programs would help prevent the economic spiral that occurs when disasters render properties uninsurable and communities financially untenable. These programs would ensure that the real estate sector continues to serve as a foundation of household wealth and national economic growth in the face of climate risks.

DESIGNING FEDERAL PROGRAMS FOR WIND AND FIRE COVERAGE

The design of federal disaster insurance programs requires strategic planning to ensure that they are effective and sustainable in the face of growing claims. A National Wind Insurance Program (NWIP) and a National Wildfire Insurance Program (NWFIP) would need to be structured in a way that balances affordability with fiscal responsibility, encouraging widespread participation while safeguarding against insolvency. The foundation already exists in the framework of the NFIP. However, the NFIP’s challenges also illustrate the need for improvements in risk modeling, premium pricing, and, most importantly, participation incentives.

The NWIP could provide coverage for damage caused by hurricanes, tornadoes, and other severe storms. By distributing risk across a large national pool, such a program would be able to offer more affordable premiums in coastal states, where the private market is either withdrawing or charging prices that few can afford. Similarly, the NWFIP would address a growing crisis in western states, where longer and more destructive fire seasons have rendered large portions of the housing market uninsurable. Without such a program, private insurers will continue to raise premiums, leaving homeowners and investors unable to maintain financial stability.

Both programs would need to incorporate measures that encourage preventative risk mitigation. Property owners who proactively adopt fire-resistant landscaping, upgrade to wind-resistant building materials, or retrofit homes to meet modern safety standards should be rewarded with lower premiums. At the community level, municipalities that invest in resilience infrastructure should benefit from reduced costs for their residents. These incentives would help make the programs financially sustainable and drive a culture of resilience that reduces long-term losses. By combining coverage with prevention incentives, federal programs can provide immediate financial protection and promote lasting reductions in vulnerability.

Federal programs could offer premium discounts to property owners who adopt measures such as installing fire-resistant materials, hurricane shutters, or upgrading roofs to withstand high winds. The Institute for Business & Home Safety (IBHS) is a non-profit organization that takes a more scientific approach to advance the industry’s understanding to reduce catastrophic losses through better building practices and materials. ⁶ This has led to solutions such as the sealed roof deck model, which has now been incorporated into the Florida building code. They have also developed a “Wildfire Prepared Home,” a set of mitigating actions and building approaches involving the type of roof, connected structures like fences and decks, ember- and flameresistant vents.

The administration of these programs would most logically fall under the Federal Emergency Management Agency (FEMA), which already oversees the NFIP and coordinates disaster recovery efforts. By aligning wind and wildfire insurance with FEMA’s existing structures, the programs could operate within a familiar regulatory environment, while enjoying synergistic economies of scale. This would also create consistency across coverage types, ensuring that property owners understand the availability and scope of protection.

CHALLENGES FACED BY FEDERAL DISASTER INSURANCE PROGRAMS

While the benefits of federal disaster insurance programs are clear, the challenges cannot be underestimated. As the insurable losses from disasters grow, claims will rise correspondingly. Without careful management, there is a risk that new federal programs could face deficits like those encountered by the NFIP. To prevent this outcome, it will be necessary to employ more advanced actuarial strategies, incorporate updated climate risk models, and explore reinsurance structures that spread catastrophic risk further.

Participation rates are critical to program success. One of the major weaknesses of the NFIP has been low enrollment, particularly in inland regions where flood risks are underestimated by property owners. Without broad participation, the financial base of federal programs becomes too narrow to absorb major disasters. Overcoming this challenge will require a combination of public education campaigns, integration with mortgage lending requirements, and possibly even automatic enrollment mechanisms tied to property ownership in high-risk areas. By making participation widespread, programs can maintain affordable premiums while ensuring solvency.

Affordability itself poses another challenge. Premiums must remain low enough that households and businesses are willing to participate, yet high enough to reflect risk and avoid excessive federal subsidies. Achieving this balance will require innovative pricing models that spread costs across high-risk and lower-risk participants while ensuring fairness. Compounding the affordability problem, there are the overall trends in the rising costs for homes and higher mortgage rates. According to analyses by the Federal Reserve, new single-family homes for sale surpassed 500,000 in July 2025. ⁷ This means fewer real estate transactions are occurring. Levels this high were last seen before the Great Financial Crisis of 2008–2009. The rise in the foundational costs of home ownership, combined with rising insurance costs, can make requiring disaster insurance more difficult in low-risk areas for risk pooling purposes.

There are also political and logistical obstacles to program expansion. Implementing national insurance programs requires bipartisan support and coordination across multiple agencies. Resistance may arise from private insurers concerned about competition, or from taxpayers wary of increased federal obligations. By using the NFIP as a model, while focusing on fixing the key issues around participation rates, the expanded programs can succeed. Ultimately, the cost of doing nothing far outweighs the cost of proactive insurance programs.

REAL ESTATE IMPLICATIONS OF COMPREHENSIVE COVERAGE

The expansion of federal disaster insurance programs to include wind and fire would have profound implications for real estate markets nationwide. For homeowners, the availability of affordable coverage would provide confidence that their largest financial asset is protected against catastrophic loss. This would reduce the risk of mortgage defaults following disasters. For investors and developers, the availability of insurance would allow projects in high-risk regions to proceed without the looming danger of unmanageable exposure.

Municipalities would benefit significantly from expanded coverage. As discussed, property taxes form the backbone of local government finance, by funding schools, infrastructure, and community programs. When disasters destroy properties or render them uninsurable, tax bases shrink, creating fiscal crises at the very moment when resources are most needed for recovery. Federal insurance programs mitigate this risk by ensuring that property owners can rebuild quickly, restoring property values and tax revenues.

From a broader macroeconomic perspective, the existence of national wind and wildfire insurance programs would reduce volatility in property values. Currently, real estate markets in high-risk regions face sharp fluctuations driven by the availability of private insurance. When insurers withdraw or raise premiums, dramatically, property values can fall almost overnight. This has occurred in Floridian coastal areas as private insurers have fled the state. Federal programs would introduce a stabilizing factor, ensuring that coverage remains available regardless of private market conditions.

THE ROLE OF INSURANCE PREMIUM FINANCING AS A COMPLEMENTARY TOOL

The expansion of federal disaster insurance programs would address the challenge of coverage availability, but the cost of premiums presents another obstacle often preventing property owners from participating. Over the last twenty years, what was once the entire insurance premium has now simply amounted to a down payment on a current policy, leaving policyholders little or no choice but to finance their insurance premiums. This is true even with condominium associations and large commercial properties. Even when coverage is affordable relative to the level of protection it provides, many households and businesses struggle with the requirement to pay annual premiums in a single lump sum. This barrier is particularly significant for families with limited liquidity and for small businesses operating on tight budgets. Insurance premium financing offers a complementary solution that makes participation more accessible while also strengthening the sustainability of federal programs.

Premium financing allows property owners to spread the cost of coverage into manageable installments over time. Rather than facing a large upfront expense, policyholders can align payments with their income and cash flow, making enrollment feasible even for those with limited financial flexibility. In the context of federal disaster insurance, premium financing would reduce one of the most significant barriers to participation, ensuring that coverage is not only available but also practical. The wider the participation, the more financially sustainable federal programs become, as risks are distributed across larger pools of insured property owners.

This financing mechanism also carries important implications for compliance. If enrollment in wind and wildfire insurance were tied to mortgage lending in high-risk areas, as flood insurance is today, premium financing would make it easier for property owners to meet requirements without financial hardship. Lenders would benefit from knowing that collateral is protected, while property owners would avoid the destabilizing effect of large annual costs. The synergy between mandatory coverage, federal programs, and financing structures creates a system in which each component reinforces the other, promoting participation and solvency.

MOVING TOWARDS A COMPREHENSIVE FRAMEWORK OF PROTECTION

The growing costs of natural disasters demand solutions that are as comprehensive as the risks themselves. The experiences of recent years demonstrate that piecemeal responses and limited insurance coverage are no longer sufficient. Floods, hurricanes, tornadoes, and wildfires have imposed damages measured in hundreds of billions of dollars, leaving property owners exposed and communities destabilized. Without intervention, these trends threaten the stability of real estate markets, the viability of mortgage lending, and the fiscal health of municipalities.

Expanding federal disaster insurance programs to include wind and fire coverage represents a critical step toward addressing these challenges. By providing structured coverage in areas where private insurers are retreating, federal programs would safeguard property owners and ensure continuity of communities. The integration of insurance premium financing strengthens this framework by making participation accessible to households and businesses, encouraging broader enrollment to properly manage risk. Together, these measures create a comprehensive system in which availability, affordability, and accessibility are addressed.

Natural disasters are no longer rare anomalies. They are recurring features of a changing climate and an unavoidable element of modern life. The question is not whether they will occur, but whether communities will be prepared to withstand them. The increase in national wealth and insurable property only exacerbates the losses created when natural disasters strike. By expanding federal insurance programs and leveraging the synergies of premium financing, the nation can build a framework of protection that ensures financial security and resilience for generations to come. Insurance is more than a policy; it is the promise that communities will endure. Wind and fire coverage must now be part of that promise.

Notes

*The author is the president, chief executive officer and co-founder of Standard Premium Finance Holdings, Inc.

¹ https://coast.noaa.gov/states/fast-facts/hurricane-costs.html

² https://www.standardpremium.com/industry-insight-the-role-of-federal-insurance-programs-in-mitigating-the-impact-of-natural-disasters

³ https://www.theguardian.com/us-news/2025/may/14/california-state-farm-insurance-premium-increase

⁴ https://www.latimes.com/business/story/2025-01-24/estimated-cost-of-fire-damage-balloons-to-more-than-250-billion

⁵ https://www.nbcdfw.com/news/nbc-5-responds/most-texans-dont-have-insurance-coverage-for-floods/3882858/

⁶ https://ibhs.org/

⁷ https://fred.stlouisfed.org/series/HNFSUSNSA

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Standard Premium Finance Holdings to Highlight Growth Momentum and Strategic Outlook at DealFlow Discovery Conference

Tue, 13 Jan 2026 05:06:33 GMT

MIAMI, Jan. 13, 2026 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, today announces that it will attend and present at the 3rd Annual DealFlow Discovery Conference , January 28–29, 2026, at the Borgata Hotel, Casino & Spa in Atlantic City, New Jersey. William Koppelmann, CEO, and Brian Krogol, CFO, will deliver a live presentation highlighting Standard Premium’s growth trajectory, expanding national footprint and strategic priorities for 2026 at 11:00 am EST on January 29.

“Standard Premium has entered an exciting phase of execution,” says William Koppelmann, CEO, Standard Premium. “With our expanded $115 million credit facility, acquisition pipeline and recent licensing approvals extending our reach to 41 states, we believe this is an ideal time to engage with the investment community and share how we are building a scalable, disciplined specialty finance platform.”

In 2025, Standard Premium reported continued portfolio growth, increased loan originations and year-over-year revenue gains, supported by disciplined underwriting and capital management. The Company also expanded its national presence through additional state licensing approvals and strengthened its leadership team to support future scale.

“Our strong financial performance and focus on prudent capital deployment position us well for sustainable growth,” adds Brian Krogol, CFO, Standard Premium. “The DealFlow Discovery Conference provides a valuable forum to discuss our operating momentum, financial discipline and long-term value creation strategy.”

The management team will be available for one-on-one meetings with institutional and retail investors throughout the conference.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Forecasts 2026 Industry Trends, Market Outlook for Insurance Premium Finance and Performance Objectives Amid Continued Growth

Tue, 16 Dec 2025 05:04:29 GMT

MIAMI, Dec. 16, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, today shares its perspective on key trends shaping the insurance premium finance market in 2026 and defines performance objectives aligned with its long-term growth strategy. Standard Premium has expanded its operating footprint to 40 licensed states and more than doubled its available capital through a recently expanded $115 million credit facility, positioning the company to support continued portfolio growth and geographic diversification.

The U.S. insurance premium finance market is estimated to generate approximately $60 billion in annual loan originations and is projected to grow at a compound annual rate of roughly 10%, driven by continued expansion of the excess and surplus (E&S) insurance market.

“As the premium finance market advances, our focus is to execute against the foundation we’ve built and grow responsibly by strengthening our portfolio quality and scaling our platform as we enter 2026,” says William Koppelmann, CEO, Standard Premium. “On a backdrop of an estimated 20 years of industry consolidation, there is still fragmentation. In this environment, we see emerging opportunities for technology driven companies and have a large appetite for mergers and acquisitions.”

For 2026, Standard Premium’s objectives include geographic diversification through entry into licensed territories, growth of its loan portfolio, continued improvement in diluted earnings per share and evaluation of an uplisting to NASDAQ, subject to market conditions and regulatory approvals.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Strengthens National Presence to Forty States with New License Approvals

Mon, 01 Dec 2025 05:02:20 GMT

MIAMI, Dec. 01, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, announces new state licensing approvals that expand its operating footprint to 40 states. In 2025, Standard Premium received approvals in New Jersey, New York, North Dakota, Pennsylvania and Utah. These states join the company’s 2024 expansion into Connecticut, Michigan, Rhode Island, Montana, New Mexico and Oregon, further solidifying Standard Premium’s position as one of the most widely licensed premium finance companies.

“This milestone underscores our continued commitment to responsible growth and to serving agents, carriers and insureds across the country,” says William Koppelmann, CEO, Standard Premium. “Our recently expanded $115 million line of credit more than doubled our availability of capital. Now is the time to execute on our geographic growth plan.”

The continued expansion reflects Standard Premium’s disciplined approach to market entry and regulatory compliance. By maintaining strong relationships with state departments of insurance and investing in operational readiness, the company ensures a seamless onboarding process for agents and policyholders.

“Achieving 40 state approvals marks an important step in our long-term growth strategy. Expanding our geographic reach not only broadens our customer base but also strengthens our portfolio diversification,” adds Brian Krogol, CFO, Standard Premium.

These licensing achievements support the company’s broader initiatives to expand into new regional markets and deliver consistent value to stakeholders. In 2025 Standard Premium has been featured in trade media including Insurance Thought Leadership , AM Best and CityBiz .

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Reports Strong Q3 Results Driven by Continued Portfolio Growth and Increased Originations

Tue, 18 Nov 2025 04:58:18 GMT

MIAMI, Nov. 18, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, today announces financial results for the third quarter ended September 30, 2025, highlighted by persistent loan portfolio expansion, increased loan originations and year-over-year revenue growth.

“Our strong performance this quarter, supported by disciplined portfolio management and the growing demand for premium finance solutions, positions us for continued growth,” says William Koppelmann, CEO, Standard Premium. “The significant expansion of our credit facility in September from $50 million to $115 million positions us to scale our business through 2026 and beyond.”

Q3 2025 Highlights

Loan portfolio surpassed $73.5 million, an increase of 15.2%, since December 31, 2024.
Secured a new $115 million line of credit, with an initial $75 million commitment from a three-bank syndicate.
Appointed Renee Magness as Senior Account Executive in the Midwest
Revenue increased 4.6% year-over-year (YOY).
Loan originations rose $5.1 million, a 14.2% YOY increase.
Return-on-equity (ROE): 15.54%.
Basic EPS: $0.08; Diluted EPS: $0.07.

Q3 2025 Year-to-Date Results

Loan originations up $3.4 million, or 3.0%.
Net income increased 16.5%.
ROE: 17.15%.
Basic EPS: $0.26; Diluted EPS: $0.21.
Quarterly preferred dividends were paid timely in November 2025 and remain fully up to date.

“Standard Premium remains focused on expanding its market presence, strengthening relationships with agents and carriers and delivering consistent value to stakeholders as demand for flexible, transparent premium financing options grows nationwide,” adds Brian Krogol, CFO, Standard Premium.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Finance Holdings to Highlight Growth Momentum and Strategic Outlook at 2025 Annual Shareholder Meeting

Tue, 04 Nov 2025 04:56:24 GMT

MIAMI, Nov. 04, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (Standard Premium), a leading specialty finance company, today finalizes plans for its Annual Shareholders Meeting on Friday, November 7, 2025, at 4:00 PM Eastern Time in Miami, Florida. The meeting provides an important opportunity for the Company to present its breakout financial results with record-breaking profitability, share details regarding its latest $115 million credit facility, introduce key staff hires, review strategic initiatives implemented over the past year, including a stock buyback program and discuss opportunities with shareholders for continued growth that are critical to long-term value creation.

“As we continue to execute our growth strategy and strengthen our market position, this annual meeting provides an opportunity to engage directly with our shareholders,” says William Koppelmann, CEO, Standard Premium. “We look forward to sharing our progress and outlook for the year ahead as we continue to scale the business and build lasting value for our shareholders.”

Shareholders of record as of September 8, 2025, are entitled to attend and vote on matters brought before the meeting, including the election of directors and ratification of the Company’s independent auditors for the 2025 fiscal year. Shareholders have the option to vote easily and securely online, by telephone, mail or in person at the meeting. Details and instructions are included in the Company’s official proxy materials.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Secures $115 Million Credit Agreement to Drive Continued Growth

Tue, 30 Sep 2025 04:54:25 GMT

MIAMI, Sept. 30, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (Standard Premium), a leading specialty finance company, today announced the closing of a revolving credit facility providing up to $115 million in borrowing capacity, incorporating an initial commitment of $75 million and an additional $40 million accordion feature. The syndication, led by First Horizon Bank (NYSE: FHN), includes participation from Flagstar Bank (NYSE: FLG) and Cadence Bank (NYSE: CADE), bringing together three institutions with more than $220 billion in combined assets. The agreement carries a substantially lower interest rate compared to prior agreements, leading to immediate cost savings.

“We are proud to expand our relationship with Standard Premium and welcome Flagstar and Cadence as participants in this agreement,” says Jack Perkins, vice president, First Horizon Bank.

The commitment strengthens Standard Premium’s ability to serve its growing client base while supporting strategic initiatives amid demand for flexible premium financing solutions. The new line of credit more than doubles the Company’s previous $50 million facility.

“This syndicated credit facility positions Standard Premium for the next phase of growth as we invest in innovation and deliver value for our customers and stakeholders,” adds William Koppelmann, CEO, Standard Premium. “We are grateful to First Horizon, Flagstar and Cadence for establishing this credit facility, and we look forward to building on our relationship with them.”

This agreement underscores Standard Premium’s continued momentum, nationwide growth, financial strength and long-term value creation.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Finance Appoints Renee Magness as Senior Account Executive to Drive Midwest Expansion

Tue, 16 Sep 2025 04:53:00 GMT

MIAMI, Sept. 16, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (“Standard Premium”), a leading specialty finance company, announces the appointment of industry veteran Renee Magness as senior account executive, supporting the company’s strategic expansion in the Midwest region.

Throughout her career, Magness has managed receivables portfolios valued over $100 million, while maintaining industry-leading cancellation ratios and delivering exceptional service. Magness brings more than fifteen years of experience in premium finance and a proven track record of driving sales growth and strengthening client relationships. She has held leadership roles building and managing specialized divisions, training teams and driving client growth.

Welcoming Magness to the team, William Koppelmann, CEO, Standard Premium, says, “Renee’s depth of experience and proven ability to build strong client relationships make her the ideal leader to guide our Midwest expansion. We are confident her expertise will help us extend our footprint westward and expand our presence and impact in the Midwest market.”

At Standard Premium, Magness will apply her expertise in client development, operational excellence and portfolio management to drive growth across the Midwest. Her ability to combine strategic sales approaches with innovative process improvements will help expand Standard Premium’s reach, deepen relationships with agents and accelerate the Company’s momentum as it aggressively builds west of the Mississippi. With her leadership, the Company is well-positioned to capture new opportunities and strengthen its reputation as a trusted partner in premium finance.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Standard Premium Publishes White Paper Advocating for Expanded Federal Disaster Insurance Coverage

Tue, 26 Aug 2025 04:49:24 GMT

MIAMI, Aug. 26, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (Standard Premium), a leading specialty finance company, today announces the release of a white paper, The Role of Federal Insurance Programs in Mitigating the Impact of Natural Disasters . Authored by Standard Premium CEO William Koppelmann, this report is especially timely – given the proliferation of weather-related disasters and provides valuable perspectives on the necessity of federal insurance programs and expanded coverage types.

“Catastrophic flooding in Texas and the approaching hurricane season remind us that our nation’s disaster infrastructure is underprepared and highlight the critical need for more federal disaster insurance coverage,” says William Koppelmann, CEO, Standard Premium. “These insurance programs are indispensable in managing the financial risks of natural disasters, providing essential coverage that helps communities recover and build resilience. Standard Premium supports the expansion of these programs to include wind and fire damage coverage and looks forward to collaborating on opportunities to enhance their effectiveness and ensure better protection for at-risk communities.”

Koppelmann highlights the financial challenges facing federal insurance programs due to the increasing frequency of disasters. He calls upon policymakers to explore strategies for risk mitigation and premium adjustments to ensure sustainability along with investments in resilient infrastructure and land-use planning to reduce the financial burden.

“We’re seeing insurers pull out of markets or raise premiums to unsustainable levels,” continues Koppelmann. “Federal programs offer a safety net—but it’s incomplete and must be expanded to cover all climate-related disaster threats.”

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Industry Insight: The Role of Federal Insurance Programs in Mitigating the Impact of Natural Disasters

Mon, 25 Aug 2025 15:57:19 GMT

By William Koppelmann, CEO of Standard Premium Finance Holdings, Inc. (OTCQX: SPFX)

www.standardpremium.com

Natural disasters, including hurricanes, wildfires, floods, and other catastrophic events, have become more frequent and severe in recent years. According to a report by insurance broker Aon, the $126 billion in losses from natural disasters in the United States is triple the average over the last century. Over the last forty-five years, the total cost of damages from weather and climate disasters in the U.S. approximates $2.915 trillion ¹ (as of February 2025). These disasters cause extensive physical and financial damage, while disrupting communities, economies, and public services.

In response to these challenges, the implementation of federal insurance programs has played a critical role in mitigating the financial impact of such events and supporting recovery efforts. This paper explores the necessity of federal insurance programs and the need for expansion to include additional coverage types. Citing key examples such as the devastation caused by Hurricane Helene in North Carolina and recurring wildfires in California, this paper explores the current financial burdens created by gaps in coverage availability and affordability.

With the onset of the 2025 hurricane season lending itself to several named hurricanes and tropical storms by August, the increasing frequency and severity of natural disasters underscore the importance of robust insurance mechanisms to protect individuals, businesses, and communities. Private insurers often face limitations in providing affordable and comprehensive coverage for catastrophic events. Federal insurance programs step in to fill this gap, offering financial protection and facilitating disaster recovery.

Natural disasters disproportionately affect specific geographic regions. Federal insurance programs help ensure that residents and businesses in high-risk areas can obtain coverage that would otherwise be unavailable or prohibitively expensive through private insurers. Disasters cripple local economies by disrupting businesses and reducing property values. Federal insurance programs provide a financial safety net, enabling quicker recovery and stabilization. Without federal insurance programs, the government would need to allocate significant emergency funds to cover uninsured losses. Structured insurance programs distribute risks and costs more efficiently.

Case Studies

Hurricanes: Back-to-back Helene and Milton

Hurricane Helene, though initially forecasted to bypass the U.S., brought unexpected severe weather conditions to parts of North Carolina. Shortly thereafter, Hurricane Milton made landfall, exacerbating the damage with additional heavy rainfall and strong winds. The combined effects of these hurricanes led to widespread flooding.

Many affected property owners relied on the National Flood Insurance Program (NFIP) for coverage, which proved essential in facilitating recovery. The NFIP provided financial resources to rebuild homes and businesses, reducing the economic strain on local communities ² . However, gaps in coverage, such as lack of wind insurance, led to individual financial burdens. Helene’s total costs approximated $78.7 billion, while Milton caused an additional $34.3 billion in damage ¹ .

Wildfires in California

California’s wildfire season has grown longer and more destructive in recent years. Events such as the L.A. Wildfires (including Pacific Palisades, Eaton, and many more) of January 2025 caused an unfathomable $250 billion in damage ³ , destroying entire towns and displacing thousands of residents.

The Federal Emergency Management Agency (FEMA) and the Federal Crop Insurance Program (FCIP) have played critical roles in supporting recovery efforts. These programs offer insurance for properties and agricultural losses, ensuring that individuals and businesses can recover and rebuild. However, the lack of availability and affordability of private fire coverage has led individuals and businesses to forgo insurance and assume the financial burden of these disasters.

In May 2025, State Farm gained permission to raise premiums by 17% or all of its home insurance customers in California ⁴ . According to the state Insurance Department, California’s plan that provides insurance to homeowners who can’t get private coverage needs $1 billion more to pay out claims related to the 2025 Los Angeles wildfires ⁵ .

Floods in Texas

The disastrous floods in Texas of July 2025 gained national attention due to the velocity in which they escalated and the heartbreaking devastation at a summer camp for young girls. The economic losses from these floods are expected to exceed $20 billion.

The deployment of relief efforts highlighted both the strengths and limitations of federal aid. FEMA’s disaster declaration unlocked essential support, including emergency housing and public assistance. The NFIP is expected to issue millions in claims to insured homeowners and businesses, significantly reducing the financial burden on those with active policies. These reimbursements accelerate rebuilding and enable municipalities to restore vital services more quickly.

Even with the availability of national flood insurance through the NFIP, only around 7% of homes in Texas are insured for flooding ⁶ . Inland, where these floods occurred, flood insurance rates drop dramatically to around 2%.

Proposal: Expanding Federal Insurance Programs

To better protect individuals and businesses from the growing risks posed by natural disasters, a solution could consist of expanding federal insurance programs to include coverage for wind damage and fire damage. Many private insurers are either withdrawing from high-risk markets or significantly raising premiums. Federal insurance programs help manage rising premiums in high-risk markets by spreading the covered pool to include low-risk markets.

Implementation of additional federal insurance programs could involve a multi-pronged approach, including the creation of a National Wind Insurance Program (NWIP) and National Wildfire Insurance Program (NWFIP). Modeled after the NFIP, the creation of NWIP and NWFIP programs would provide affordable wind and fire damage insurance to property owners in high-risk areas. FEMA could administer a national wind and fire damage insurance program, ensuring that property owners have access to coverage for hurricane and wildfire losses. Additional efforts could include the expansion of public-private insurance partnerships. Collaboration with private insurers could help share risks and improve the financial sustainability of these programs. Additionally, using risk-mitigating incentives, the programs can encourage property owners to adopt wind-resistant building materials and fire-resistant landscaping through premium discounts.

Expanding federal insurance programs comes with its own challenges. Many property owners in high-risk areas remain uninsured or underinsured. Efforts to increase awareness and participation in federal insurance programs are essential. Yet, federal insurance programs face financial challenges due to the increasing frequency of disasters. Policymakers will need to explore strategies for risk mitigation and premium adjustments to ensure long-term sustainability. Investments in resilient infrastructure and land-use planning can reduce the financial burden on federal insurance programs.

Federal insurance programs are indispensable in managing the financial risks associated with natural disasters. By providing essential coverage and financial support, these programs help communities recover and build resilience against future events. Expanding these programs to include wind and fire damage coverage will further enhance their effectiveness and ensure better protection for at-risk communities. As we continue to see intensified natural disasters, strengthening and expanding these programs will be crucial for protecting lives, property, and the economy.

About Standard Premium Finance Holdings, Inc. (OTCQX: SPFX)

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company pursuing M&A opportunities of synergistic businesses to leverage economies of scale. SPFX has financed $2+ Billion of property and casualty insurance, operates in 40+ states and targets roll-ups in an $80 Billion market to drive consolidation and deliver shareholder value.

https://www.standardpremium.com/

About William Koppelmann

William Koppelmann is the president, CEO and co-founder of Standard Premium Finance (OTCQX: SPFX). An entrepreneur with more than thirty years of experience in the insurance premium finance industry, he is proficient in receivables management, capital raising and debt restructuring. His expertise in strategic planning, sales, marketing and organizational development contributes to his track record for driving business success.

Mr. Koppelmann has served on the board of the Florida Premium Finance Association for more than 15 years. He is the immediate past president, serving in that capacity for three successive terms. He is a member of the Florida Association of Insurance Agents, Professional Insurance Agents Association, Latin American Insurance Association and Independent Insurance Agents of Dade County.

Contact William Koppelmann :

Phone: (800) 592-7753 ext. 213
Email: bill@standardpremium.com
LinkedIn: Bill Koppelmann

References

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Standard Premium Projects Record Earnings and Portfolio Growth for Fiscal Year 2025

Tue, 19 Aug 2025 04:47:12 GMT

MIAMI, Aug. 19, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc . (OTCQX: SPFX), a leading specialty finance company, today announced projections for fiscal year 2025 that point to record net income, double-digit portfolio growth and sustained returns for shareholders.

The Company expects to deliver a substantial 13% year-over-year increase in net income, surpassing $1 million for the first time in its history. Return-on-equity is projected to exceed 15%, with basic earnings per share reaching $0.34 by December 31, 2025. Standard Premium’s loan portfolio is anticipated to grow to more than $75 million, a 15% increase over 2024 year-end, while preferred dividends, currently at 7%, are expected to remain fully up-to-date.

“Crossing the $1 million earnings mark will be a significant milestone and is the result of years of building a resilient business, expanding strategically, investing in operational efficiencies and staying true to our commitment to serving clients and delivering value for shareholders,” says William Koppelmann, CEO, Standard Premium.

This positive outlook builds on the momentum of fiscal year 2024, which delivered record profitability, continuing through the first half of 2025 that included growth in the loan portfolio, improved funding costs and disciplined expense management.

“Our capital strategy and cost management initiatives have put us in a strong position to meet these growth targets,” adds Brian Krogol, CFO, Standard Premium. “By maintaining funding efficiency and margin discipline, we’re confident in our ability to continue delivering consistent value across economic cycles.”

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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CPR Marketing
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Standard Premium Expands Stock Repurchase Program Following Strong Q2 Results

Thu, 31 Jul 2025 04:45:03 GMT

MIAMI, July 31, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), a leading specialty finance company, today announced that its board of directors has authorized an expansion of the Company’s previously announced $250,000 stock repurchase program which follows the Company’s strong second quarter performance, including $3.1 million in revenue, income before taxes of $345,000 and a return-on-equity of 15%. The board approved the ability for repurchases to be effectuated in the open market in accordance with applicable SEC regulations and safe harbor provisions, in addition to privately negotiated transactions directly with stockholders.

“The expanded repurchase program reinforces our continued confidence in the Company’s strategic direction and long-term vision, and our ability to execute on a compelling growth trajectory,” says William Koppelmann, CEO, Standard Premium. “It provides us with another flexible mechanism to return value to shareholders while maintaining a disciplined, balanced and methodical capital allocation approach.”

The Company noted that repurchases under the program remain subject to a number of factors, including market conditions, stock price, regulatory requirements and limitations and corporate liquidity needs and priorities. The program does not obligate the Company to repurchase any specific number of shares and repurchases may be suspended or discontinued at any time. The program remains in effect through November 2, 2025.

“As we continue to scale our business and deliver consistent, solid financial performance, we remain focused on sustainably enhancing shareholder value through prudent capital deployment and strategic execution,” adds Koppelmann.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Nicholas Turchiano
CPR Marketing
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201-641-1911x35

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Standard Premium Delivers Strong Q2 Performance Highlighting Enhanced Efficiency and Company Growth

Thu, 24 Jul 2025 04:41:37 GMT

MIAMI, July 24, 2025 (GLOBE NEWSWIRE) -- Standard Premium Finance Holdings, Inc. ("Standard Premium") (OTCQX: SPFX), a leading specialty finance company, announces strong preliminary financial and operational results for the second quarter and first half of 2025, highlighting growth in the Company’s loan portfolio, stable originations, improved funding costs and continued return-on-equity growth.

As of June 30, 2025, the Company’s loan portfolio exceeded $70 million, representing a 9.7% increase since December 2024. For Q2, Standard Premium reported $3.1 million in revenue, income before taxes of $345,000 and return-on-equity of 15%. Basic and diluted earnings per share were $0.08 and $0.06, respectively.

“Our performance reflects a strong focus on long-term value creation and capital-efficient growth,” says William Koppelmann, CEO, Standard Premium. “As we continue to expand our national footprint and build on our operating strengths, we look ahead to the second half of the year as an opportunity to deepen our market presence, strengthen our customer relations and drive sustained performance for our shareholders.”

Year-to-date (YTD), the Company has generated $6 million in revenue and $783,500 in income before taxes. Basic earnings per share for the first half of 2025 reached $0.18, with diluted EPS of $0.14. YTD return on equity climbed to 18%, supported by stable originations, disciplined cost control and improved funding efficiency.

“We remain focused on sustainable, margin-conscious growth,” adds Brian Krogol, CFO, Standard Premium. “Improved cost of funds and careful expense management have positioned us to continue delivering value across market cycles.”

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Nicholas Turchiano
CPR Marketing
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201-641-1911x35

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Modernizing the Insurance Premium Payment Experience

Mon, 07 Jul 2025 20:45:12 GMT

Modernizing insurance payment processes transforms a routine touchpoint into a strategic competitive advantage.

As digitization reshapes every link along the insurance value chain, one essential component still lags: the payment experience.

For policyholders, the payment process is one of the most frequent and tangible touchpoints with their insurance carrier. But outdated payment systems and non-specialized call center representatives often result in a frustrating experience for policyholders seeking an accurate understanding of their payments.

Modernizing the payment experience presents an opportunity to foster customer goodwill in the insurance industry. However, regulatory nuance and capital demands of financing premium payments make this an area where insurance carriers, managing general agents (MGAs), and insurance agents benefit from innovative technology and strategic partnerships. Insurance premium finance companies have evolved from an industry utility into allies helping insurers meet customer expectations and build competitive advantage.

The traditional, narrow view of premium finance has been purely functional, missing the broader strategic potential. Today, while premium finance companies deliver fully integrated, digital-first payment experiences, only a few are forward-thinking enough to incorporate the latest cutting-edge technology. Some carriers have explored in-house financing models, but most find partnering with the right third-party premium finance company delivers quantifiable results, including delivering payment innovation reliably and expediting the cash cycle.

Speed and Flexibility Without the Capital Burden

Financing premiums in-house requires considerable capital reserves. It also necessitates loan servicing capabilities, regulatory and financing expertise, and significant exposure to credit risk. For many insurers and MGAs, this is simply not a core element of their business model.

Leading premium finance companies provide a deep specialization in both financing and customer service. These firms are built specifically to handle the complexity and expectations of the premium finance process, from precise billing calculations and cancellation workflows to high-touch borrower support. Their service teams are trained to work with policyholders who may not be familiar with financing mechanics. This level of customer service is difficult to replicate internally without additional cost burdens and ensures that policyholders receive timely, expert support that reflects positively on the insurer's brand. In many instances, the premium finance company's customer support team becomes a main contact for the insurer's agents and customers. For commercial policies, their service specialization can be the difference between a closed sale and a missed opportunity.

Elevating the Customer Experience With Innovative Payment Solutions

Customer experience is a key differentiator in an increasingly competitive insurance market. Policyholders want to manage their policies and payments the same way they manage many financial aspects of their lives: online and on mobile.

Forward-thinking premium finance companies have responded with platforms that integrate seamlessly into the quote-to-bind process and policyholder portals. They incorporate technologies that have become expected in payment processing, such as electronic signatures, auto-pay and online account services.

Some premium finance companies further streamline the payment process by incorporating innovative solutions into antiquated methods. For example, they deploy secure, single-use QR codes on printed and emailed payment notices. These codes directly link to the customer's personalized, secure payment portal, thus eliminating the need to log in or manually enter account details. This noticeably reduces friction for customers who still receive paper correspondence or who prefer traditional billing formats, while maintaining security and compliance.

Another innovation is incorporating opt-in text message payment reminders with shortened, secure URLs. These messages allow policyholders to access their payment portals with a single tap, improving on-time payment rates while reducing cancellations due to missed installments. The convenience of mobile-first communications reflects how today's consumers prefer to interact with service providers of all kinds.

Building these cutting-edge, compliant financing capabilities internally is a resource-intensive project for insurance carriers, which distracts from an insurer's core objectives. Premium finance companies have already made these investments, including API-based integration with agency management systems, co-branded borrower portals, and automated document generation.

Final Thoughts: Rethinking Payment Processing as a Strategic Advantage

In an era where customer expectations are rising and digital transformation defines competitiveness, the payment and financing experience has become a strategic opportunity. Historically overlooked, this metaphorical "last mile" of the insurance process can be a key differentiator for carriers, MGAs, and agencies willing to modernize their payment processes.

insurance organizations gain more than capital support by affiliating with specialized premium finance companies. They gain access to turnkey technology, compliance expertise, and customer service infrastructure built specifically for the unique demands of insurance financing. These partners enable insurers to deliver an innovative payment experience without the financial and operational burden.

As the industry continues to evolve, those who rethink payment and financing as a core component of the customer journey will be best positioned to drive loyalty and compete at the speed of today's market.

In this ever-changing technological landscape, it's important to continuously reevaluate consumer payment options. Modernizing the payment experience benefits both insurers and their customers.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Nicholas Turchiano
CPR Marketing
nturchiano@cpronline.com
201-641-1911x35

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Standard Premium Finance Holdings Increases Line of Credit with First Horizon Bank to Support Ongoing Growth

Tue, 17 Jun 2025 14:38:36 GMT

MIAMI, – June 03, 2025 – Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (Standard Premium), a leading specialty finance company, today announced an increase to its revolving line of credit with First Horizon Bank (NYSE:FHN), a leading regional bank operating in 12 states across the southern U.S. The amendment raises Standard Premium’s borrowing capacity from $45 million to $50 million, supporting the Company’s strategic growth trajectory.

“Standard Premium has consistently demonstrated strong performance and thoughtful leadership in a dynamic market,” said Jake McCrary, managing director, First Horizon Bank. “First Horizon has maintained a strong relationship with Standard Premium since it became a client in 2021.”

The amended line of credit, effective since May 21, 2025, marks the fourth modification to the loan agreement since its inception in 2021. The increased commitment comes at a pivotal time for the Company, which continues to see rising demand for flexible premium financing solutions amid record breaking growth, including a 24.9% year-over-year revenue increase. Additionally, net income surged 84.1% in FY 2024, while loan originations rose 14%. In Q1 2025, earnings per share increased 230% as the Company improved profitability and reduced operating expenses by 7.8% year-over-year.

“This expanded line of credit positions us to meet growing demand, invest in innovation and better serve our customers across the country,” says William Koppelmann, CEO, Standard Premium. “We appreciate the continued support of First Horizon Bank, who understands our commitment to meaningful growth objectives.”

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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CPR Marketing
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Standard Premium Finance Holdings Positioned as Safe Haven Amid Rising Tariff Pressures

Tue, 03 Jun 2025 14:35:35 GMT

MIAMI, – June 03, 2025 – Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) (Standard Premium), a leading specialty finance company, today reaffirmed its position as a stable, growth-oriented domestic investment option amid rising global trade tensions and tariff-related market volatility. The Company’s U.S.-focused business model remains shielded from international trade risks, supporting continued growth performance and resilience.

“Standard Premium operations are entirely domestic, highly regulated and unrelated to global supply chains,” says William Koppelmann, CEO, Standard Premium. “We remain impervious to the kind of market disruptions that tariffs often create across most sectors.”

Standard Premium’s core business initiatives are rooted in a steady, service-driven model that is focused on achieving measurable growth milestones. With low exposure to international volatility and a track record of profitable growth, the Company continues to offer investors clarity and consistency.

“We believe disciplined, transparent business models like ours offer long-term value and stability with expanded profitability, investments in growth opportunities and increased shareholder value through all market cycles,” Koppelmann adds.

The Company also recently announced a $250,000 stock repurchase program, reinforcing confidence in its strategic direction and financial strength. The program, which runs through November 2, 2025, offers flexibility to return capital to shareholders while supporting continued growth. Backed by record profitability in FY 2024 and Q1 2025, Standard Premium remains dedicated to disciplined expansion, accelerating growth, shareholder value creation and leveraging its operational momentum to drive sustainable long-term performance across evolving market conditions.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Blog Article Title

Thu, 29 May 2025 18:22:46 GMT

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Standard Premium Finance Holdings Announces $250,000 Stock Repurchase Program

Tue, 27 May 2025 20:46:06 GMT

MIAMI, Fla. – May 27, 2025 – Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), a leading specialty finance company, today announced that its board of directors approved a stock repurchase program where the Company may purchase up to $250,000 of common stock in privately negotiated transactions over a six-month period, expiring November 2, 2025. The program will depend on market conditions, stock price, regulatory requirements and limitations, corporate liquidity requirements, priorities and other factors.

“The stock repurchase program reflects our confidence in the strategic direction, growth prospects and financial strength of the Company to support our strategic objectives,” says William Koppelmann, CEO, Standard Premium. “The program provides flexibility to return capital to shareholders and demonstrates the long-term value of our business model.”

The program does not require the Company to purchase any particular number of shares and there is no guarantee as to the number of shares that will be purchased. The timing and price of repurchases, and the actual number of shares repurchased under the program will be at the discretion of management.

“The repurchase program is an efficient use of capital and a reflection of our disciplined approach to growth and value creation,” added Koppelmann. “As we continue to execute our acquisition strategy and expand our national footprint, we remain focused on delivering long-term returns for our shareholders.”

The repurchase program aligns with the Company’s record profitability in FY 2024 and Q1 2025, reflecting continued financial momentum and operational strength.

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995 and within the meaning of Section 27a of the Securities Act of 1933, as amended, and Section 21e of the Securities Exchange Act of 1934, as amended with regard to our anticipated future growth and outlook, including the Company’s current plans concerning the stock repurchase plan. Our actual results may differ from expectations presented or implied herein and, consequently, you should not rely on these forward-looking statements as predictions of future events. We do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement to reflect any change in our expectations or any change in events, conditions or results.

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025 which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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CPR Marketing
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Standard Premium Reports Record Profitability for FY 2024 and Q1 2025, Signaling Continued Growth

Tue, 20 May 2025 20:42:59 GMT

MIAMI, Fla. – May 20, 2025 – Standard Premium Finance Holdings, Inc. ("Standard Premium") (OTCQX: SPFX), a leading specialty finance company, announces record-breaking profitability across its latest financial reporting periods. In fiscal year 2024, net income rose 84.1% year-over-year and total revenues exceeded $12.1 million, a 24.9% increase over 2023. In Q1 2025, the Company delivered its strongest single-quarter performance, including 230% increase in earnings per share and 82.7% rise in net income compared to the same period in 2024.

“This level of profitability reflects the strength of our business model, discipline of our team and long-term potential of the specialty finance sector,” says William Koppelmann, CEO, Standard Premium. “We focus on customer service and scaling strategically while delivering consistent value to shareholders.”

Financial highlights:

FY 2024:

Revenue: $12.1 million (up 24.9%)
Net Income: $980,000 (up 84.1%)
Earnings Per Share (Basic): $0.29
Loan Originations: $149 million (up 14%)
Return on Equity: 16.6%

Q1 2025:

Net Income: $336,000 (up 182.7%)
Earnings Per Share (Basic): $0.10 (up 230%)
Return on Equity: 20.99%
Operating expenses reduced 7.8% year-over-year

Standard Premium maintains continued growth using strong fundamentals, including payment of preferred dividends and improved returns on equity and assets. Lower borrowing costs and disciplined expense management contributed to bottom-line growth.

“Standard Premium is positioned to lead with innovation, operational discipline and proven ability to scale profitably,” Koppelmann adds. “We remain committed to delivering long-term value by expanding our footprint, investing in technology and pursuing growth opportunities that align with our strengths.”

About Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX), is a specialty finance company which has financed premiums on over $2 Billion of property and casualty insurance policies since 1991. We currently operate in 38 states and are seeking M&A opportunities of synergistic businesses to leverage economies of scale. https://www.standardpremium.com/ .

Cautionary Statement Regarding Forward-Looking Statements

Additional information concerning risk factors relating to our business is contained in Item 1A Risk Factors of our Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 10, 2025, which is available on the SEC’s website at www.sec.gov or on the Investor Relations section of our website, standardpremium.com.

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Nicholas Turchiano
CPR Marketing
nturchiano@cpronline.com
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Financial Outlook: The Effects of a Decreasing Rate Environment on the Insurance Premium Finance Industry

Wed, 19 Feb 2025 17:42:05 GMT

Updated on February 19, 2025

By: Brian Krogol, CFO of Standard Premium Finance Holdings, Inc. (OTCQX: SPFX)

www.standardpremium.com

The insurance premium finance industry operates at the crossroads of finance and insurance, allowing customers to spread out the cost of insurance premiums through financing arrangements with companies like Standard Premium Finance. This specialty finance industry is a critical tool for individuals and businesses needing affordable payment options for high insurance premiums.

Insurance premium finance companies enable insured parties, typically commercial entities, to pay insurance premiums over time instead of upfront. For many customers, insurance premium financing provides an opportunity to buy insurance without tying up working capital or accessing other credit sources. There are other customers who consider premium financing a necessity because they do not have the means to pay the premium in full at the time of purchase. Insurance premium finance companies, such as Standard Premium Finance, will finance the premium amount and charge an interest rate and fees for the service. This business model allows premium finance companies to generate revenue based on the interest rate differential between the rates at which they borrow and the rates they charge clients. Consequently, the overall revenue potential is closely tied to prevailing interest rates.

Since profit margins are directly tied to prevailing interest rates, specialty finance, including insurance premium finance, is susceptible to shifts in macroeconomic factors. In a decreasing rate environment, where central banks lower interest rates to stimulate economic growth, premium finance companies face unique challenges and opportunities. The effects of a declining rate environment on the insurance premium finance industry, include impacts on revenue models, competitive positioning, and customer behavior

The Macroeconomic Context of a Decreasing Rate Environment

A decreasing rate environment generally reflects an economic setting where central banks lower interest rates to support economic growth, increase borrowing, and stimulate investment. In late 2024, the Federal Reserve, the central bank of the USA, cut its benchmark rate three times for a total of one percentage point. Interest rate reductions by the Federal Reserve have a cascading influence throughout the marketplace. Such conditions have far-reaching effects on industries that rely on lending and credit, including insurance premium finance. When central banks reduce rates, the cost of capital for financial institutions typically declines, leading to a trickle-down effect across various financial markets. For premium finance companies, the effects of lower interest rates are complex, affecting revenue, profit margins, customer demand, and competitive dynamics.

The Microeconomic Context of a Decreasing Rate Environment

In a lower interest rate environment, the profit margin between the borrowing costs of premium finance companies and the interest they charge customers initially increases. Insurance premium finance loans typically have fixed interest rates set at the loan's inception. Because of the fixed interest rate charged to customers on their loans, insurance premium finance companies will see their margins increase when their borrowing costs fall. As interest rates decrease, the borrowing cost to the premium finance company decreases while the interest charged to customers remains the same, leading to these increased margins. Many premium finance companies depend on a significant rate spread to generate profit, and an expansion in this spread can increase overall profit.

For many borrowers, financing insurance premiums serves as a cash flow management tool. With lower rates, the appeal of financing insurance premiums increases, particularly for high-cost commercial and specialty insurance policies. In a decreasing rate environment, individuals and businesses are more likely to view financing as an economically viable choice, even if they could fully pay their premium. This trend can lead to increased borrowing activity and higher loan volumes for premium finance companies.

Premium finance companies must diligently scrutinize their business models to maintain profitability under lower interest rates. Lower rates can attract new entrants into the premium finance space, as the barriers to entry decrease with lower borrowing costs. Some insurers may even offer in-house financing options at attractive rates, using their lower cost of funds to undercut third-party financing firms. This move can intensify competition and could result in premium finance companies focusing on niche markets where they have strong expertise or specialized knowledge. These new players can introduce increased competition, often driving down lending rates and pressuring established players to differentiate through better service, technology, or specialized offerings. Established companies with stronger balance sheets and diversified service offerings may find it easier to navigate this competitive environment, while smaller or less diversified firms may struggle. Strategies like operational efficiency improvements, reduced operational costs, and a shift toward technology-driven solutions can increase profitability but tend to require upfront capital expenditures.

Lower interest rates make financing attractive to a larger population segment, influencing customer demand patterns. Both individual and commercial policyholders may increasingly rely on financing options even for smaller premium amounts, viewing financing as a low-cost, typically off-balance-sheet liquidity tool. Premium finance companies can seize this opportunity to attract new customers, especially those from traditionally underrepresented segments or regions with lower utilization of premium financing. These changes in customer behavior may require premium finance companies to adjust their marketing strategies and product offerings. Tailoring products to appeal to price-sensitive customers or those newly interested in financing will be crucial to capitalize on this shift.

Strategic Responses for Premium Finance Companies in a Decreasing Rate Environment

To thrive in a declining rate landscape, premium finance companies must adopt strategies that balance short-term profit benefits while managing increased competitive pressures and capitalizing on long-term growth opportunities. Expanding product offerings beyond traditional premium finance services to include value-added options, such as payment protection, risk advisory services, or flexible loan structures, can create additional revenue streams. Investing in technology to streamline operations, automate processes, and reduce overhead costs can counterbalance narrowing margins. Efforts to digitize and leverage data analytics enable premium finance companies to make informed pricing and underwriting decisions. As loan volumes grow from increased loan demand, companies must enhance risk management to ensure customer defaults do not erode profitability. Robust credit risk assessment tools can improve loan quality and minimize exposure. Understanding customer segments and personalizing financing options can help premium finance companies retain clients even when competitors lower rates. Offering flexible terms and customer-centric service also strengthens customer loyalty. Partnering with insurers or other financial institutions can provide premium finance companies with competitive funding costs and access to broader markets.

The insurance premium finance industry faces challenges and growth potential in a decreasing rate environment. While a drop in borrowing rates can increase revenue margins, it also drives competition from increased borrowing demand, customer interest, and market activity. Established premium finance companies must adapt through operational efficiency, strategic product offerings, and innovative technologies that align with evolving customer preferences. By embracing these strategic shifts, premium finance companies can not only withstand the competitive pressures of a low-rate environment but also capture growth opportunities that strengthen their market position for the future.

About Standard Premium Finance Holdings, Inc. (OTCQX: SPFX)

Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) is an industry-specific holding company pursuing merger and acquisition opportunities of synergistic businesses to take advantage of the economies of scale within the specialty finance industry. SPFX companies have provided financing solutions in excess of $2 Billion to businesses and individuals to secure coverage for their property and casualty insurance policies. SPFX companies currently operate in more than thirty-five states throughout the U.S. With a market exceeding $80 Billion in total premiums financed annually, SPFX continuously seeks advantages of roll-up opportunities in a historically consolidating industry while providing maximum value for its shareholders.

About Brian Krogol

Brian Krogol joined the organization in 2019 as Vice President of Accounting and has since been named CFO. Mr. Krogol graduated from the Fisher School of Accounting at the University of Florida with a Master of Accounting (MAcc) in 2011. After graduation, he worked as an auditor with Grant Thornton, an international organization of independent assurance, tax, and advisory firms, gaining audit experience with companies in the healthcare, manufacturing, distribution, hospitality, restaurant, and financial industries, as well as, experience on 10-Q, 10-K, SOX 404, benefit plan, and IPO engagements for SEC clients, including quarter- and year-end engagements for private clients reporting under US GAAP from 2011 to 2013. Mr. Krogol gained recognition for earning the prestigious Elijah Watt Sells award in 2012 for his performance on the Certified Public Accountant examination. Of more than 92,000 candidates who sat for the examination in 2012, only thirty-nine candidates met the criteria for this award. On the tailwind of this award, Brian continued his career, starting a private tutoring business, primarily preparing students for the CPA exam and college level accounting, finance, economics, and mathematics courses in 2013. From 2015 to 2018, Mr. Krogol joined Clutch Prep as Lead Business Instructor, designing and maintaining online curriculum, including recording instructional videos for undergraduate level accounting, finance, and economic courses. Mr. Krogol maintained his private tutoring practice for CPA candidates through 2019.

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