What type of agencies does Pacific Crest Services partner with?

PCS partners with independent insurance agencies generating $750K or more in revenue, with consistent profitability, strong client retention (85%+), and an owner committed to 5–10 years of growth. Agencies should have a scalable infrastructure, diversified carrier mix, and cultural alignment with PCS values.

Does Pacific Crest Services take a majority stake in my agency?

No. PCS becomes a minority equity partner in your agency, allowing you to retain operational control and leadership while gaining access to capital, resources, and strategic support.

How long does the PCS partnership process take?

The partnership process is typically completed in 6–8 weeks and includes seven stages: Agency Discovery, NDA & Fact Finder, Contract Consultation & Initial Valuation, Term Sheet, Due Diligence, Purchase Agreement, and Onboarding & Growth Planning.

Who leads M&A at Pacific Crest Services?

Evan Specter serves as PCS's Head of Corporate Development & M&A at Pacific Crest Services. He brings over a decade of insurance industry M&A experience, including senior leadership roles at Marsh and The Liberty Company, where he led strategic acquisitions and integrations across the insurance brokerage landscape.

What resources does PCS provide to partner agencies?

PCS partner agencies receive access to growth capital, 300+ carrier relationships, back-office support, cross-selling guidance, marketing resources, producer recruiting support, and a full technology suite including Hawksoft, EZLynx, Microsoft Power BI, and Zoho.

How does PCS help agencies maximize their exit value?

By partnering with PCS, agencies grow their book through acquisitions and organic expansion, increasing enterprise value at scale. PCS's goal is to help partners achieve at least twice the exit value they would have received independently.

Let’s grow together

You have built a strong independent agency—and see an opportunity to make it significantly bigger. Reaching that next level, however, may require more capital, infrastructure, and strategic support than you want to take on alone.

Pacific Crest Services partners with established, growth-minded agency owners through minority equity investment, acquisition capital, and hands-on growth support. You continue leading the agency while we invest alongside you to accelerate growth and increase its long-term value.

You are not ready to exit. You are ready to accelerate.

You may want to unlock some of the value you have already created, but you are not finished leading, or growing, the business.

A strategic partnership with PCS can help you:

Gain partial liquidity.

Realize some of your agency’s value without selling the entire business or immediately stepping away.

Move faster on growth opportunities.

Access capital to acquire agencies and books of business when the right opportunities arise.

Scale with greater support.

Use PCS infrastructure, recruiting capabilities, carrier relationships, technology, and operational resources without building every capability internally.

Build greater long-term value.

Combine organic growth, acquisitions, and stronger operations to create a larger and more valuable enterprise.

Independent in leadership. Together in growth.

This is not a traditional acquisition in which you sell the business and hand over control.

PCS becomes an invested minority partner. You remain actively involved in leading the agency, serving your clients, developing your team, and shaping the direction of the business.

Together, we establish a growth plan based on your agency’s market, team, opportunities, and long-term goals—including a shared understanding of what an eventual transition could look like.

You continue to lead.

Remain closely connected to the agency and responsible for its day-to-day leadership.

We invest alongside you.

PCS provides growth-oriented capital and shares in the opportunity and long-term outcome.

We build the next stage together.

Combine your agency knowledge and relationships with PCS capital, infrastructure, and strategic support.

Who we partner with

Built for strong agencies with meaningful room to grow.

PCS invests in established independent agencies with the leadership and foundation needed to create significant additional value.

Strong potential partners generally demonstrate:

More than $750,000 in annual revenue
Consistent profitability and clean financials
Strong client retention and year-over-year growth
A capable team and scalable operating structure
A diversified book and healthy carrier relationships
An owner prepared to remain actively involved
A clear vision for the agency’s next stage
Alignment with PCS values and partnership approach

These factors help us evaluate fit, but they are not the entire story. We also want to understand what makes your agency distinctive, where you see the greatest opportunity, and what you want the partnership to accomplish.

Find out if your agency is a fit

A partner perspective

From scratch agency to the next stage of scale

Mark Bigham joined PCS as a scratch agent and grew his agency to more than $9 million. When he set his sights on reaching $20 million to $25 million, he determined that the next stage would require greater access to capital and growth support.

Through a strategic partnership with PCS, Mark is using investment capital to pursue acquisitions, add talent, and accelerate organic and inorganic growth.

Mark Bigham

Dallas, Texas

“I’m on a rocket ship—and I’m exceeding my prior expectations.”

How the partnership process works

A confidential, collaborative path from fit to investment.

Initial conversation

We begin by learning about your agency, your growth goals, and what you want from a strategic partner.

Confidential agency review

After signing a mutual nondisclosure agreement, you provide initial financial and operational information so we can assess fit.

Valuation and partnership structure

If there is alignment, we discuss the agency’s valuation and explore an investment structure based on your goals, liquidity needs, and future plans.

Term sheet and due diligence

PCS issues a term sheet outlining the proposed investment, ownership structure, rights, and anticipated exit strategy. We then complete a detailed review of the agency.

Investment and growth planning

Once agreements are finalized, PCS becomes a minority equity partner. Together, we establish growth priorities, performance measures, and a plan for increasing the agency’s value.

Start a confidential partnership conversation

Is a strategic partnership the right PCS path for you?

Join PCS

For captive or independent agents seeking carrier appointments, technology, infrastructure, and operational support without an equity investment.

Explore the agent opportunity

Grow with an invested partner

For established agency owners seeking partial liquidity, growth capital, continued leadership, and a shared plan for increasing enterprise value.

Explore a strategic partnership

Transition your agency

For owners ready to sell an agency or book, prepare for retirement, or create a thoughtful succession plan.

Explore selling your agency

Frequently asked questions

Will I still own and operate my agency?

Yes. PCS becomes a minority equity partner, and you remain actively involved in leading the business. The ownership structure, governance, and decision-making rights are defined in the partnership agreement.

Can I take money out of the business?

The investment can provide partial liquidity to the owner while also reserving capital for growth. The balance depends on the agency, investment structure, and agreed-upon plan.

Is there a required timeline for selling the agency?

The partnership is designed for owners who expect to remain involved for several years. The anticipated timeline and future exit strategy are discussed before the investment is completed.

How is the agency valued?

PCS evaluates financial performance, retention, growth, carrier mix, book quality, team, operational capabilities, and future potential. The proposed valuation and investment structure are reviewed with the owner before proceeding.

You built the foundation. Let’s build the next stage together.

PCS brings capital, infrastructure, and an invested partner. You bring the leadership, relationships, and vision behind the agency’s success.

Together, we can build a larger, stronger, and more valuable independent agency.