1. Acquisition Funding Opportunities for TWFG Agents
Presented by
Kelly Drouillard, Director of Strategic Markets
Bill Nicholson, Director of Sales
Gordy Bunch, President & CEO of TWFG

2. Who we are Founded in 2003 Innovator in niche funding
Commission-based commercial financing
Only serve insurance professionals
Financing and resources to help agents buy, build, or sell their agencies
Engaged in the insurance industry

3. What we do Traditional commercial financing is difficult
Our solutions fit each insurance professional’s unique needs
Loans from $10,000 or $10,000,000

4. Why it matters
Agencies need a lender that understands their needs and market conditions
Biggest asset is commission stream
We use commission stream and cash flows as collateral for loans

5. Agent Opportunities
You can borrow against the future commission stream from your in-force book of business.
Stay in control of your cash flow. And your customers.
Every Oak Street loan is custom designed based upon your book of business and cash flow.

6. Oak Street vs.Traditional Bank
Oak Street Funding
Traditional Bank
Offers a variety of products including revolving lines and interest-only options 
Provides financing based upon intangible business assets only 
Has an in-house team of experts that understands the complexities of the insurance business
Requires little cash out-of-pocket
Centralized location provides quick
turnaround times
Services loans in-house
Offers online account management tools

7. Oak Street Process for TWFG Agents

8. How to Get Started
Step 1 Branch contacts TWFG for pre-approval of Acquisition or Working Capital request
Step 2
TWFG performs analysis on Seller and Branch performance
Step 3
TWFG develops
offer price
(value between 1 – 2 x)
*Steps 2 & 3 for Acquisitions only
Step 5
Upon receipt of completed application and PFS, OSF loan officer to price the loan
Step 4
Once TWFG approves the purchase, Branch agent contacts OSF to complete loan application

9. The Oak Street Process once you apply…1
Phone consultation
Evaluate needs, collect Application & Personal Financial Statement
Preliminary approval
Preliminary loan terms and options presented for your approval
Documentation
Your Loan Coordinator guides you in gathering documents and info needed by our underwriting team 4 5
Final approval
Your Underwriter works quickly through the due diligence process and prepares loan documents upon approval
Funds dispersed
Loan documents are ed to borrower for signatures and upon receipt, loan proceeds are dispersed. 2 3

10. Oak Street Loan Application
NOTE: On page 2…under the Commissions header, answer ‘yes’ to the Aggregator questions and list TWFG as the organization you are working with 

11. Exec. Dir. of Customer Service
The Oak Street Team
Sales Team: Processing & Underwriting Team: Servicing Team:
Scott Stars
Loan Officer
Steve Couch
Loan Officer
Katie Luke
Processing
Heather Dawson
Underwriter
Doug Bauer
Underwriter
Lori Rainbolt
Underwriter
Kathy Yeary
Exec. Dir. of Customer Service

12. General Overview of Terms & Fees
CCA Requirements
Commitment Fee
Closing costs
Interest Rate
Servicing Fee
All-In Rate
Loan Terms

13. Acquisition Loan Guidelines
TWFG’s 20% buy-in will be processed as part of the capital transaction. TWFG will remit to Oak Street Funding as part of the loan closing and funds will be used as part of the payment to the seller lowering the amortized loan balance.
Note: Each loan will require 5% down payment. 5%
Down
Payment
20% TWFG
75% Oak Street Funding

14. Working Capital-Loan Guidelines
WC Loans – would require reference of good standing from TWFG (similar to reference from Master Agent for MGA’s)
WC Loans – Not to exceed 50% of Branch revenue

15. With a loan or line of credit agents can…
Acquire an agency to increase market share and build your revenue stream
Consolidate business debt accumulated on high interest rate credit cards
Hire a producer to add top line revenue
Purchase leads to expand into other markets
Upgrade technology to increase efficiency

16. Monthly Webinars
to register today!

17. Agent Resource Center

18. Questions?? Kelly Drouillard Bill Nicholson
Director of Strategic Markets
Oak Street Funding
Bill Nicholson
Director of Sales
Oak Street Funding