National Business Credit and Funding Advisory Firm Partners with Industry Veteran Rob Thomas to Equip Forward-Thinking Insurance Agents with the Capital Firepower Needed to Acquire, Consolidate, and Lead in the Era of Artificial Intelligence Disruption
CredFin, Inc. announced a strategic alliance with The Agent Underground, the professional networking and mentorship platform for independent insurance agents founded by Rob Thomas, to help qualified agents build business credit, access funding, and pursue agency acquisition opportunities during a period of AI disruption and industry consolidation.
MIAMI, FL — May 28, 2026 (GlobeNewswire) — CredFin, Inc., the national business credit and funding advisory firm headquartered in Miami, Florida, announced a landmark strategic alliance with The Agent Underground, the professional networking and mentorship platform for independent insurance agents, founded and led by seasoned insurance industry veteran Rob Thomas.
The announcement comes at a critical inflection point for the United States insurance industry. With artificial intelligence reshaping the distribution landscape at an unprecedented pace, hundreds of thousands of independent insurance agents face mounting uncertainty, together with a narrowing window to position themselves on the right side of history.
The Disruption Is Real, and It Is Here Now
Bank of America Global Research has warned that more than fifteen billion dollars in agent commissions, paid by just six major carriers including Progressive, Travelers, and Hartford in 2025 alone, are at direct risk of artificial intelligence-driven disintermediation. Standard home, auto, and small commercial policies represent low-complexity transactions where AI-powered direct-to-consumer channels can eliminate the human intermediary entirely.
The global AI in insurance market, valued at $4.59 billion in 2022, is projected to reach $79.86 billion by 2032, growing at more than 33 percent annually. Mergers and acquisitions activity within AI in insurance skyrocketed in 2025, registering growth of 328 percent in deal value and 125 percent in deal volume.
Meanwhile, more than 30,000 independent agencies across the United States generate less than $1.25 million in annual revenue, and the vast majority have no viable internal succession or perpetuation plan. With 695 insurance agency mergers and acquisitions completed in 2025, industry analysts expect consolidation to accelerate in 2026.
Funding the Agents Who Lead the Revolution
CredFin, Inc. was built for precisely this moment. Powered by the proprietary Funding Ready™ and Lender Match™ System, which leverages data from Dun & Bradstreet, Equifax Business, and Experian Business, CredFin helps small business owners, including independent insurance agents and agency owners, become Funding Ready™ and connect with the right capital sources to fuel their strategic ambitions.
Rob Thomas and The Agent Underground bring the industry’s most motivated and forward-thinking agents to this alliance. The platform provides education, agency-building blueprints, and hands-on mentorship that equips agents to navigate complexity, not retreat from it.
Together, CredFin and The Agent Underground are launching a capital access program designed to equip qualified agents with the business credit and funding infrastructure required to acquire under-capitalized or succession-challenged agencies, positioning them as the consolidators rather than the consolidated.
Rob Thomas, Founder, The Agent Underground
“We are standing at the most important crossroads the insurance industry has ever faced. Artificial intelligence is eliminating the agents who are unprepared, yet for agents who understand what is happening and move decisively, this is the greatest opportunity for wealth creation and agency growth in a generation. CredFin gives our agents the financial firepower to be the buyers in a market full of sellers.”
Ray A. Smith, Founder and Chief Executive Officer, CredFin, Inc.
“Rob Thomas has spent his career building agents who think and operate like business owners. CredFin, Inc. exists to give those agents access to the capital that converts their vision into acquisition strategy. When a funded, forward-thinking agent engages with an undercapitalized agency that has no succession plan, the outcome is predictable and enormously valuable for both parties. We are pioneering the playbook for this new era.”
What This Means for Independent Insurance Agents
Through this alliance, qualified independent insurance agents affiliated with The Agent Underground’s network will gain direct access to CredFin, Inc.’s Funding Ready™ and Lender Match™ System, the same institutional-grade business credit and funding infrastructure used by growth-oriented small businesses nationwide.
Agents will be guided through a structured process to optimize their business credit profiles across all three major commercial bureaus, then matched with lenders aligned to their specific acquisition or operational funding goals.
The strategic advantages for participating agents include access to capital to acquire independent agencies with no succession plan, funding for operational expansion and technology upgrades, stronger business credit profiles across all three major commercial bureaus, and the ability to become industry consolidators in an AI-driven marketplace.
“The agents who move now will look back on this moment as the turning point that defined their careers. The agents who wait will look back and wonder why they did not.”
Join the Business Funding Ready™ Workshop
Insurance agents who are ready to take control of their financial future and position themselves ahead of the AI disruption curve are invited to attend the CredFin Business Funding Ready™ Workshop, hosted by Ray A. Smith, Chief Executive Officer of CredFin, Inc., and Rob Thomas, Chief Executive Officer of The Agent Underground.
The workshop is a live, interactive event designed specifically for insurance professionals who want to understand how business credit works, how to become Funding Ready™, and how to access the capital needed to grow, acquire, and thrive in the rapidly consolidating insurance marketplace.
Register today at Workshop.CredFin.ai.
CredFin, Inc. is not a lender and does not make credit decisions. The company may, in certain circumstances, introduce business owners to independent third-party financing providers. All financing decisions, terms, and approvals are made solely by those independent providers and are subject to their own underwriting criteria. Participation in the workshop and use of CredFin, Inc.’s advisory services are voluntary and may not be suitable for all businesses. Outcomes vary based on individual business circumstances, creditworthiness, lender criteria, and market conditions, and there is no assurance that any business will obtain financing as a result of participation.
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