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Insurance Premium Funding

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Insurance solutions when you need it most

It’s fair to say most people know you can pay your home and contents insurance premiums annually or monthly.

But what about when it’s time to pay your business insurance?

What happens when your business insurance premium, with all those zeros, arrives in your inbox?

Things have been tough the last few years, and you may not have the cash to pay it all in one go. Because like many other businesses in regional areas, any spare cash you do have is tied up in keeping your business moving forward.

Going without business insurance just isn’t an option. No business can afford to be without insurance.

That’s when insurance premium funding can help.

And with our offices all over regional Australia, we understand what our local businesses face and how to best help them.

Why choose us for your insurance premium funding?

Free up your working capital

Fixed interest rate

The loan won’t interfere with your existing banking arrangements

We understand regional and rural business insurance needs

There’s a much greater variety of businesses when you live in regional or rural Australia. And the more regional or rural you get, the more they differ. Afterall, you don’t have a 300-hectare dairy farm in the middle of Sydney.

What we do have is a lot of businesses who need business insurance. And those hefty premiums can quickly add up, eating into your cash flow. And as we all know a healthy cash flow is the lifeblood of any business (regional or big smoke), it’s good to know there are options to help you pay your insurance premiums in full and on time.

What’s insurance premium funding?

An insurance premium loan lets you pay your annual business insurance premium in full. You then repay the loan in monthly instalments, ranging from six to ten months. This frees up much needed working capital for your business to operate as usual with the peace of mind knowing you’re also fully insured.

How do I get insurance premium funding?

Our process is simple, quick and easy.

Contact your nearest Regional Finance Solutions Lending Specialist. They ask you to send them a copy of your business insurance policy or policy renewal.

Once they have this, they’ll arrange a quick quote for a loan. You can then repay your fixed rate loan over the next six to ten months.

And remember, your business insurance premium loan doesn’t interfere with your existing banking arrangements or security. It’s completely separate. This means we can arrange it through your existing lender or approach a different lender.

Can my insurance broker arrange insurance premium funding?

They sure can (and will probably offer to do so).

However, it’s just like buying a car. The car dealer will offer you finance. That’s their job. But there may be better options for you.

The same goes for insurance and insurance premium funding. Your insurance broker may offer to arrange the loan, but you owe it to yourself, and your cash flow, to make sure there isn’t anything better out there for you.

What types of policies can I use an insurance premium loan for?

  • Business Insurance
  • Products/Public Liability Insurance
  • Cyber Insurance
  • Commercial Motor Insurance
  • Motor Fleet Insurance
  • Professional Indemnity
  • Industrial Special Risk
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