Pencross Financial Corporation was initially founded as Pencross Holdings Ltd. in 1975. The primary objective of its founder, Mr. Norman Black, was to provide second lending solutions to consumers across Canada. It was in the early ‘90’s that Pencross began providing premium financing solutions to brokers and their clients in Ontario. Since then, Pencross has become very active in the premium financing business across Canada. In 1996 Mrs. Kay-Lee Franklin became the new President of Pencross Holdings Ltd.

In 1997 Mrs. Franklin created Pencross Financing Inc. to solely finance insurance premiums. In 2004 Pencross Financing Inc. and Pencross Holdings Ltd. amalgamated to create PENCROSS FINANCIAL CORPORATION. It has been the goal of Mrs. Franklin, with great success, to nurture and expand her father’s vision of providing alternative financial assistance for Canadian consumers.
Today, Pencross Financial Corporation, still independent and still 100% Canadian owned, is a premier finance company servicing hundreds of brokers across Canada. Pencross is secured with sound financial backing and maintains the same business ethics of integrity, accountability and professionalism established over 35 years ago.

We offer full service premium financing for all types of property, casualty, auto and facility insurance policies. We assist brokers in retaining their clients by offering flexible financing options. Brokers, in turn, help their clients free up working capital and improve cash flow.

At Pencross, we’re proud of our history! Our primary goal remains the same – to establish and maintain strong partnerships with brokers across Canada by delivering outstanding service. As always, the Pencross Team is knowledgeable in its field, accurate in its charge, and dedicated to providing first class, reliable service.