CFOs at leading insurance companies are discovering smarter ways to access capital without adding debt or disrupting operations. One increasingly popular strategy? Tenant Improvement (TI) sale-leasebacks. Here are three ways this approach is helping finance teams unlock liquidity and fuel strategic growth:
1. Converting Non-Admitted Costs Into Cash
Insurers often invest heavily in tenant improvements—upgrades like office buildouts, lobby renovations, or interior finishes. But these costs are typically non-admitted assets, meaning they don’t count toward statutory surplus.
With a TI sale-leaseback, CFOs can convert those costs into immediate capital—all while continuing to use and control the space.
Why this matters:
- No need to borrow or impact debt covenants
- Access immediate cash reimbursement
- Increase flexibility for corporate planning
This lets companies free up money while still keeping control of their space.
Strengthening Financial Resilience
TI sale-leasebacks can help insurers bolster reserves and improve key ratios used by rating agencies and regulators.
Why this matters:
- Reinforce your statutory capital position
- Strengthen AM Best and other rating metrics
- Signal financial strength to policyholders and investors
3. Fueling Higher-Return Opportunities
Unlocking cash from tenant improvements gives CFOs the flexibility to reinvest in areas with greater ROI—instead of leaving capital tied up in walls and carpet.
Strategic uses include:
- Writing new policies
- Digital transformation
- Expansion into new markets
- Reinvestment of proceeds for higher ROI
This approach helps insurers put idle capital to work—supporting long-term growth without draining liquidity.
Is This Right for You?
If your company has invested in tenant improvements—or plans to—Dolfin’s TI sale-leaseback program could help you unlock value and reinvest in your company’s future.
Our simple, 5-page agreement is designed specifically for CFOs who want capital efficiency without complexity.
Schedule a 15-minute call to explore how this could support your capital strategy.
About Dolfin
Dolfin provides streamlined tenant improvement sale-leaseback solutions and turnkey TI funding for creditworthy tenants and owner-occupiers. With successful partnerships including Applied Underwriters, Dolfin delivers capital-efficient structures that drive flexibility, growth, and measurable outcomes.
