EvenPenny.
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BUILT FOR SURETY AGENCIES

Every penny.
Accounted for.

See what you owe carriers, what customers owe you, and what's actually yours — all from the reports you already run.

Request a demo See it in action
Built around agency-bill workflows

FOR AGENCY OWNERS

Your bank balance isn't your money.

Premium you've collected belongs to your carriers. Commissions belong to your producers. EvenPenny shows what's left.

EvenPenny
Example Agency / Financial overview
SAMPLE DATA

Example Agency

Financial overview · Fictional agency and figures

Settlement overview

Cash available

$412,300
Operating
$265,100
+ Premium account
$204,700
− Card balance
$57,500

Carrier payables due

$318,450
Ready to remit
$196,200
Collected, not yet verifiedCustomer has paid; statement not yet matched.
$122,250

Producer commissions payable

$41,600

Commissions owed to producers.

Total obligations$360,050

Net settlement position

$52,250 Surplus

What's left after every carrier and producer is paid.

Cash $412,300
− Obligations $360,050

AR outstanding

$1,004,800
Current
$512,400
31–60
$214,900
61–90
$121,300
91–120
$88,700
120+
$67,500

Customer balances by age in days.

Blocked payables

Customer hasn't paid yet

$742,900
Total carrier payables$1,061,350

$318,450 due + $742,900 blocked

YTD commission rate

24.1%

Target 25%

Distribute with confidence

Know what's yours before you take it.

Safe to distribute: $52,250

SAMPLE DATA · Example Agency is fictional. All names and figures shown are illustrative.

FOR THE PEOPLE WHO RUN THE NUMBERS

The detail behind every dollar.

01

Reconcile

From a statement to a clear next step. See the match, the difference, and the follow-up without piecing together another spreadsheet.

Reads statements from 14+ surety carriers.

THE NUMBERS, WITH THE CONTEXT.Live product. Sample data.
EvenPenny
Example Agency / Reconciliation
SAMPLE DATA

Carrier statements Example Surety

Statement reconciliation

August 2026
Statement total$29,900.006 statement items
Ready to remit$22,200.003 matched & collected
Needs review$4,600.002 items to investigate
Customer / bondCarrier payableAgency payableStatusDetails
SB-10428$12,600$12,600Ready to remit
SB-10436$2,700$2,450Amount difference
SB-10441$6,800$6,800Ready to remit
SB-10452$1,900—Missing from AMS
SB-10467$2,800$2,800Ready to remit
SB-10470$3,100$3,100
Statement + agency records, side by sideChoose an item to see the details

Live product. Sample data. All agency names, bonds, and balances shown here are fictional.

Bring the records together.

Compare carrier statements with your agency’s records in one reconciliation view.

Find what needs a closer look.

Separate amount differences, missing records, and payments that crossed the statement date.

Know what’s ready to remit.

See matched, collected items alongside outstanding issues before preparing your carrier payment.

02

Collect

AR aging by customer, statements with PDF, and past-due reminder emails in a click.

Scheduled reminders — coming soon
03

Pay producers

Commission statements by producer for any date range, with the transactions behind every dollar.

04

Remit

See what's ready to remit, what's blocked, and why — then generate the carrier remittance.

HOW IT WORKS

The reports you run.
The clarity you need.

Works from the reports your agency management system already exports. No migration. No new data entry. Nothing changes about how your team works.

FAQ

Does it replace our agency system?
No — it sits on top of it.
Does my team change how they work?
No.
What do you need from us?
Reports you already export, plus carrier statements.
Which system does it work with?
AMS360 exports today.
A NOTE ON WHY WE’RE HERE

Built from the
agency side of the desk.

EvenPenny started with the work inside a surety agency: carrier statements, customer balances, producer commissions, and the recurring question of where the money stands.

The goal is straightforward. Give the people responsible for those numbers a clearer way to understand them—and act on them.

Practical software. A little more peace of mind.
MAKE SENSE OF THE DIFFERENCE.

Less chasing.
More checking
things off.

Request a demo

See what EvenPenny can show your agency.