A key aspect of the deal that PPCLOAN always considers is the amount of new business that must be written in the coming year in order for an agency to maintain its current level of earned premiums.  This figure is then compared to the amount of new business the agency is on pace to write for the given year, as well as the total amount written in the previous year.  This comparison gives us a good idea of what to expect in the upcoming year and is typically a source of probing questions for our loan applicants.  PPCLOAN encourages buyers to consider this aspect of the agency purchase and include it in their negotiations with the seller.