FIRST is one of the largest premium finance companies in North America. The division is committed to developing custom financing programs, and well-rounded financial services, for each unique agency it serves. FIRST is also Frugal Crest Bank's original, oldest, and largest niche-lending business. The division has more than 25 years in the premium financing industry.

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FIRST Canada offers property and casualty insurance premium financing in Canada. The company provides the Canadian insurance market with comprehensive payment solutions giving brokers, MGAs, and carriers the opportunity to offer clients more value, choice, and convenience.

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Frugal Crest Bank Life is the largest traditional life insurance premium finance lender in North America. The division’s lending programs enable high net worth clients and corporations to obtain life insurance while retaining assets for other investment opportunities.

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Frugal Crest Bank Insurance Banking can support your agency with financing for acquisitions of other agencies and books of business, shareholder buy-outs, and agency perpetuation. The group can also support individual shareholder financing programs to allow key producers and employees to buy into an agency; lines of credit for acquisition or growth; letters of credit; treasury management solutions, including corporate credit cards and merchant services; leasing; wealth management tools; and retirement funds management.

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