Welcome
Advance your public adjuster fee—now.
Claim Flow Capital helps licensed public adjusters unlock immediate working capital by advancing funds against verified insurance claim receivables.
Our process turns waiting weeks or months for endorsements, mortgage releases, and staged disbursements into same-week liquidity—so you can grow your business with confidence.
We believe in simple, transparent funding—no hidden costs, no confusion. Just fast access to the money you've already earned.
Why We Built Claim Flow Capital
As a public adjuster with real business overhead and a family to support, I know how hard it is to wait for payment. Even after doing everything right, checks can take months to move through carrier processing, mortgage-company endorsements, and administrative delays.
We created Claim Flow Capital to give adjusters a fair, fast, and flexible way to access their earned revenue. We advance up to 85% once there's confirmed payment from the carrier, with terms built for how our industry actually works. If you pay back early, we adjust. If a mortgage delay pushes the disbursement past the expected date, we work with you—not against you.
Our goal is simple: keep your claims moving and your business funded, without the stress of waiting.
Founder Benjamin L.
How Our Funding Works
Apply
Visit claimflowcapital.com and complete the short application form. You'll share your contact information, claim details, and any documentation you already have. Optional file uploads help us verify faster, but you can still apply even without them.
Approval
Our underwriting team reviews your submission—usually within one business day. We confirm the claim's settlement details, check payment direction, and provide clear funding terms. You'll know exactly what advance amount and Preferred Return apply before moving forward.
Advance
Once the documentation is complete, Claim Flow Capital wires funds directly to you. You can receive up to 85% of your PA fee from a settled claim—typically for receivables over $25,000. Funds are delivered quickly so you can cover expenses, payroll, or new claim opportunities.
Repayment
When the insurance carrier, mortgage company, policyholder, attorney, or trust account releases the actual payment, Claim Flow Capital is repaid directly from those proceeds through a designated payment direction or lockbox. Any remaining balance after fees and Preferred Return is released to you.
Why Public Adjuster Payments Take So Long
Carrier Issues the Check
Checks are often made payable to multiple parties (insured, public adjuster, and sometimes the mortgage company).
Multiple Endorsements Needed
Each payee must sign before the check can move forward, which causes delay.
Mortgage Company Review
Lenders frequently hold the funds until repairs are verified or inspections are complete.
Staged Releases
Large claims may be paid in increments over several months.
Paperwork Delays
Missing or disputed documents can extend the wait from two weeks to six months or more.
Get Funding in 24-48 Hours
Don't wait months for payment. Apply for immediate funding on your settled claims and get your PA fee advance within 24-48 hours.
Apply for FundingClaim Flow Capital bridges this gap by advancing funds against confirmed settlements—so you can access your fee long before the carrier's process finishes.
Ready to get started?
Submit your settled claim receivable and receive funding as fast as 24-48 hours after approval.