Freedom Finance Taps Input 1 Platform for Multi-State Launch

WESTLAKE VILLAGE, CA – April 02, 2026 – In a strategic move to accelerate its market entry, newly formed Freedom Premium Finance has selected Input 1's comprehensive technology platform to power its launch. The Ardmore, Oklahoma-based company is poised to enter the commercial insurance premium financing sector, targeting a multi-state region that includes Oklahoma, Texas, Kansas, and Missouri.

The partnership provides Freedom Premium Finance not only with a sophisticated Software-as-a-Service (SaaS) infrastructure but also with crucial regulatory and licensing support, a combination designed to de-risk its launch and establish a strong foundation for long-term growth.

A Strategic Launch in a Booming Market

Freedom Premium Finance is entering a market characterized by robust growth and increasing demand. The global premium finance sector is expanding at a significant pace, with some analysts projecting a compound annual growth rate (CAGR) of over 10% through the next decade. This expansion is largely fueled by rising insurance premiums across commercial lines and a growing need for businesses to manage cash flow effectively. By financing their insurance premiums, companies can avoid large upfront capital outlays, freeing up funds for operations and investment.

By focusing on the commercial sector in Oklahoma and its neighboring states, Freedom Premium Finance is targeting a dynamic economic region. The company's leadership, noted for its extensive experience in insurance and premium finance, has identified a clear opportunity to serve insurance agencies and their commercial clients. The decision to launch with a proven technology partner from day one signals a deliberate strategy to prioritize stability, compliance, and operational efficiency.

The 'Startup-in-a-Box' Advantage

The collaboration with Input 1 gives Freedom Premium Finance an immediate competitive edge, effectively providing a 'startup-in-a-box' solution for a highly specialized financial industry. Input 1's platform integrates digital billing, payments, and premium finance management into a single, cohesive system. This turnkey approach allows a new entity to bypass the lengthy and costly process of developing proprietary technology and operational workflows from scratch.

However, the partnership extends beyond pure technology. Chris Farfaras, Executive Vice President and Chief Sales Officer at Input 1, highlighted the dual nature of the support provided. "Launching a premium finance company requires more than just technology," Farfaras stated. "It requires a clear understanding of regulatory requirements, operational structure, and how to manage finance programs effectively. Freedom's leadership recognized the importance of building on a proven foundation."

This sentiment was echoed by Jase Riggs, Owner of Freedom Premium Finance. "As we set out to establish Freedom Premium Finance, it was important to align with a provider that understands both the technology and the operational side of premium finance," Riggs said. "Input 1's experience and licensing support give us a strong framework as we focus on serving agencies and commercial insurance clients." This approach allows Freedom's team to concentrate on building relationships and serving its market, confident that its back-end operations are secure and compliant.

Navigating a Complex Regulatory Maze

One of the most significant hurdles for any new premium finance company is the complex and fragmented regulatory landscape. The industry is regulated at the state level, with each state imposing its own distinct set of rules for licensing, interest rates, customer disclosures, and cancellation procedures. Input 1's offering of regulatory guidance is a critical component that addresses this challenge directly.

For instance, in the states where Freedom Premium Finance plans to operate, the requirements vary significantly:
* Texas requires premium finance companies to obtain a specific license and mandates that all business forms, including the finance agreement itself, be submitted for approval by the Texas Department of Insurance.
* Kansas law requires licensure through the Commissioner of Insurance and dictates specific content for finance agreements, including the disclosure of the Annual Percentage Rate (APR).
* Missouri has its own registration requirements with the Division of Finance and maintains detailed statutes governing premium finance agreements, which were recently clarified by new legislation, underscoring the fluid nature of state-level rules.

Navigating these disparate requirements is a resource-intensive task that demands specialized legal and compliance expertise. By leveraging Input 1's experience in this area, Freedom Premium Finance can ensure its operations meet the stringent compliance standards of each state from the outset, mitigating risk and accelerating its ability to write business across borders.

A Proven Model for Insurtech Enablement

The partnership between Freedom Premium Finance and Input 1 is indicative of a broader trend within the insurance and financial technology sectors. Rather than building every component internally, new and existing companies are increasingly turning to established platform providers to handle non-core, yet critical, functions like billing, payments, and compliance.

Input 1 has established itself as a key enabler in this ecosystem, with a track record of supporting a diverse range of clients. For example, the company helped WALCO Funding build a scalable and capital-efficient servicing operation, and it enabled Builders and Tradesmen's Insurance Services (BTIS) to roll out a nationwide digital payment platform in just 90 days. Other new ventures, such as AxisPeak Capital, have also selected Input 1 to power their launch, validating the effectiveness of its integrated platform and service model.

This model allows for greater specialization, where technology providers like Input 1 perfect the infrastructure and new market entrants like Freedom Premium Finance can focus entirely on their customer-facing strategy and service delivery. This symbiotic relationship fosters innovation and lowers the barrier to entry, ultimately benefiting the entire insurance marketplace. The strategic outsourcing of technological and regulatory burdens is becoming a defining feature of modern financial entrepreneurship, enabling faster, more confident entry into highly specialized markets.