Here’s who does what.
You already know how premium finance works. What’s different with Apex is that a real person answers, and she’s been where you are.
3 steps. 2 minutes. 1 real person.
You send the finance quote you got.
Premium, down payment and rate. Use the form, or just email it to Shana. About two minutes of your time.
Shana comes back with ours.
Usually within an hour, 9–5 ET, Mon–Fri. After hours, ASAP.
You pick the better deal.
If Apex wins, introduce your insured to Shana. She works with them on the contract, the down payment and autopay.
“I’ll do all of that for them, ’cause agents are busy people.”
— Shana Woodyard
What’s on your plate, and what’s on hers
You
- Send the finance quote you got
- Pick the better deal
- Introduce your insured to Shana
Shana
- Sends the Apex quote
- Works with your insured on the contract
- Sets up the down payment
- Gets autopay running
You’ll get Shana.
Call and you’re talking to the person handling your file. If something comes up, she works it out with you.
“It’s not just put it in the computer, and it says yes or no, and that’s the end of the story.”
— Shana Woodyard
What we finance
Almost all commercial business, including trucking and contractors. There’s no minimum or maximum premium.
We’re licensed in Kentucky, Tennessee, West Virginia and Georgia. Tennessee and Georgia are new for Apex.
Got a finance quote with the binder?
Send it over. Shana will see if Apex can do better.
Premium financing for independent agents in Kentucky, Tennessee, West Virginia and Georgia. An independent premium finance company, backed by PBT Bancorp, a Kentucky bank since 1923.
Apex Premium Finance
524 Main St, Hazard, KY 41701
866-273-9732
[email protected]
© 2026 Apex Premium Finance. All rights reserved.