Licensed in 7 States

You're Overpaying.
You're Undercovered.
Fix It Now.

Insurance. Mortgage. Business Lending. One team that sees your full financial picture — so you stop leaving money on the table with three different companies.

Get a Free Quote → 📞 (951) 749-6699 💬 Text QUOTE
450+
Insurance Carriers
350+
Mortgage Lenders
Same Day
Quotes & COI
7
States Licensed
🛡️
Insurance
Auto, home, commercial, trucking, life, workers' comp, umbrella. Same-day COI.
→
🏠
Mortgage
Purchase, refi, DSCR, bank statement, HELOC, investor loans. 24hr pre-approval.
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💼
Business Lending
SBA, term loans, MCA, lines of credit, equipment financing. Fast decisions.
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✓ CA · AZ · TX · WA · VA · IN · OH
✓ NMLS #2490311
✓ Insurance Lic #4095605
✓ Equal Housing Lender
✓ English · Spanish · Punjabi · Hindi
500+
Clients Protected
$50M+
Loans Structured
7
States Licensed
4.9★
Client Rating
What We Do
Three Verticals. One Team.
Zero Wasted Motion.
Most lenders waste your time. Most agents sell you the first thing. We structure the deal that actually fits.
🛡️

Insurance

450+ carriers shopping for your best rate so you don't have to. Personal and commercial. Same-day COI for your closings and contracts.

  • Auto
  • Homeowners
  • Renters
  • Life
  • Commercial Auto
  • Trucking
  • Workers' Comp
  • General Liability
  • BOP
  • Umbrella
Get a Quote →
Buying a home? Bundle your homeowners policy with your mortgage and save.
🏠

Mortgage

350+ lenders competing for your deal means better rates and faster closes. Pre-approval in 24 hours. Investor-focused structuring.

  • FHA
  • VA
  • Conventional
  • Bank Statement
  • DSCR
  • HELOC
  • Refinance
  • Investment
  • Commercial
  • First-Time Buyer
Apply Now →
Need capital too? Structure your mortgage and business lending together for better terms.
💼

Business Lending

250+ lenders. Fast, flexible capital. SBA to MCA. Equipment to bridge. Decisions in days, not weeks.

  • SBA Loans
  • Term Loans
  • MCA
  • Lines of Credit
  • Equipment Finance
  • Bridge Loans
  • Fix & Flip
  • Transport Loans
Get Funded →
Growing your fleet? Bundle trucking insurance + equipment financing under one roof.

One Relationship. Three Solutions. Zero Runaround.

Your insurance agent doesn't know your mortgage. Your lender doesn't know your business. That's broken. We fix it.

01
Insure Your Assets
→
02
Finance Your Property
→
03
Fund Your Business
Why Baz State
Most Companies Sell Products.
We Structure Outcomes.
⚡

Same-Day Speed

Insurance quotes in minutes. Mortgage pre-approval in 24 hours. COI same day. Business lending decisions in days.

🔍

We Shop — You Save

Unlike banks that sell their own products, we access dozens of carriers and lenders. More options = better deals.

🏗️

Niche Specialists

Trucking, construction, real estate investors, DSCR — we handle the niche markets that generalists can't.

🌎

4 Languages

English, Spanish, Punjabi, Hindi. The Inland Empire is diverse. Your financial team should be too.

📋

Full Transparency

No hidden fees. No surprises at closing. Every cost disclosed upfront — before you commit to anything.

🤝

Real Advice

We're advisors, not salespeople. If a product doesn't fit, we'll tell you. We'd rather lose the sale than your trust.

Results
Don't Take Our Word For It.
★★★★★
"Baz State found me homeowners insurance at a price I could afford, then helped me refinance. One team, two problems solved."
MT
Maria T.
Riverside, CA
★★★★★
"I thought buying a home was impossible until I talked to Amrit. He guided me through my first mortgage and saved me thousands."
LG
Luis G.
San Bernardino, CA
★★★★★
"We insure our trucking fleet with Baz. Better coverage, better rate, and they helped us finance two new trucks on top of it."
JL
Jorge L.
Fontana, CA
Meet The Founder
Your Advisor. Not a Call Center.
Amrit Shehbaz Singh — CEO, Baz State Insurance, Mortgage and Lending

Amrit Shehbaz Singh

CEO · Licensed Insurance Agent · Mortgage Loan Officer

I started Baz State because the financial services industry is broken. Your insurance agent doesn't know your mortgage situation. Your lender doesn't know your business needs. You end up repeating yourself to three different companies, missing savings, and nobody sees the full picture.

At Baz State, I see everything. When I write your homeowners policy, I already know your loan terms. When I structure your business loan, I already know your fleet insurance. That's how you save money and close faster.

Based in Riverside. Serving California and six additional states. If you need insurance, a mortgage, or business capital — call me directly. I pick up the phone.

CA Insurance Lic #4095605 NMLS #2490311 MBA Equal Housing Lender
Licensed in: California · Arizona · Texas · Washington · Virginia · Indiana · Ohio
FAQ
Straight Answers.
Banks sell their own products. We partner with dozens of insurance carriers and lenders to shop for the best rates and terms for your situation. More options, better deals, faster closes.
Mortgage pre-approval within 24 hours. Insurance quotes in minutes. Business lending decisions within a few business days depending on loan type.
California, Arizona, Texas, Washington, Virginia, Indiana, and Ohio — with more states coming.
No. Use any one service on its own. But clients who use multiple services save money through coordinated strategy and a single point of contact.
Yes — it's a specialty. Primary liability, motor truck cargo, bobtail, physical damage. And we can bundle it with equipment financing if you're expanding.
Yes. DSCR, investment property loans, fix-and-flip, bank statement loans — all structured for investors who need speed and flexible underwriting.
Zero. Full transparency. Every fee and cost is disclosed upfront before you commit to anything. If something doesn't make sense, we explain it.
English, Spanish, Punjabi, and Hindi. We serve the Inland Empire's diverse communities in your preferred language.
Yes. We issue Certificates of Insurance same day — critical for closings, contracts, and compliance deadlines.
One team handles insurance, mortgage, and business lending. Nobody else in the Inland Empire does all three under one roof. That means better coordination, faster closes, and less runaround.
Get Started
Most People Wait. Smart Ones Move.
Tell us what you need. We respond within hours — usually minutes.

Reach Us Directly

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📧
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Office
4020 Chicago Ave #13
Riverside, CA 92507
🕐
Hours
Mon–Sat: 9am–6pm
💬
Text QUOTE to (951) 749-6699
Get a response in minutes. No apps, no forms, no waiting.

Request a Free Quote

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