Welcome to South Africa's most trusted provider of insurance Premium Financing
Fulcrum is the largest and most reputable provider of Premium Finance solutions within the South African marketplace.
Change the way you feel about Premium Financing
We help businesses with a simple, sustainable financing solution that enables them to pay off their annual insurance premiums monthly thus preserving cash flow and releasing VAT.
Change the way you feel about Premium Financing
We help businesses with a simple, sustainable financing solution that enables them to pay off their annual insurance premiums monthly thus, preserving cash flow and releasing VAT.
South Africa’s trusted provider of insurance Premium Financing
Why our clients
choose us
choose us
Our highly experienced team of specialists, backed by best-in-class systems, delivers an unparalleled experience to discerning clients.
Preservation of capital by amortising premium over the year as opposed to one lump sum payment.
Additional source of finance at competitive rates which does not affect current banking facilities.
Frees up cash flow for reinvestment in operations.
South Africa’s trusted provider of insurance Premium Financing
Why our clients
choose us
choose us
Our highly experienced team of specialists, backed by best-in-class systems, delivers an unparalleled experience to discerning clients.
Frees up cash flow for reinvestment in operations.
Preservation of capital by amortising premium over the year as opposed to one lump sum payment.
Additional source of finance at competitive rates which does not affect current banking facilities.
What are the benefits of
Premium Financing for brokers?
Financial
benefit
Brokers will receive their full annual fees and commissions upfront.
Client
retention
Financed clients are less susceptible to move to other Brokers during the term of the policy.
Reduced administration
Fulcrum handles the debit orders and credit control.
Forex Capabilities
Fulcrum can assist in the financing of premiums placed in both local and foreign markets.
Financial
benefit
Brokers will receive their full annual fees and commissions upfront.
Reduced administration
Fulcrum handles the debit orders and credit control.
Client
retention
Financed clients are less susceptible to being poached by other Brokers during the term of the policy.
Forex Capabilities
Fulcrum can assist in the financing of premiums placed in both local and foreign markets.
People talk about us
“Apart from their trust and values, Fulcrum is prepared to work with all stakeholders to get an optimal solution”.
Annelie SmithRBS Insurance Providers - Corporate and Specialists 
“Ultimately it comes down to the trust factor – our clients know that Fulcrum Premium Finance is trustworthy, purely based on the experience”.
Colleen CresswellLockton SA - Senior Corporate Broker 
“We want to do business with like-minded service providers, and we moved to Fulcrum for Collection and Premium Finance shortly after starting Hamtern. We felt their business aligned well with us in terms of ethics and service”.
Denis TernentHamtern - Director 
“we wouldn’t be doing business with Fulcrum if it didn’t work for us, we know what we want from our suppliers and clients, and if they were not up to scratch”.
Tracy McLaughlinGIB - Divisional Managing Director 
“Fulcrum has a proven track record with us, and many others in the industry. They have positioned themselves very well in the market and have built key, long-term relationships that span decades. There’s an element of comfort and trust with the brand that would not have been possible if their service and ease of business had not been outstanding.“
Simon DougallCrawford Dougall - Director 
“Firstly, is the ease of doing business. Transacting with Fulcrum is not like some other providers, where there is lots of red tape before you can get to someone that makes a decision. You get to decision makers fast.”
Andre BrooksPrice Forbes South Africa - CEO 
“We are not advocating insurance, we advocate knowing your risk. Make conscious decisions about what you will do with your risk. And if your balance sheet cannot tolerate it, then insure it. But if your balance sheet can tolerate it, then take it on the chin”
Seamus CasserlyLockton SA - CEO 
“We have a really good relationship with Fulcrum, and we get on exceptionally well with the staff. It's great being able to speak to people who might not necessarily understand what you want, but are willing to work with you to get there.”
Beth GreavesCarl Greaves Brokers - Director 
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“Apart from their trust and values, Fulcrum is prepared to work with all stakeholders to get an optimal solution”.
Annelie SmithRBS Insurance Providers - Corporate and Specialists
“Ultimately it comes down to the trust factor – our clients know that Fulcrum Premium Finance is trustworthy, purely based on the experience”.
Colleen CresswellLockton SA - Senior Corporate Broker
“Firstly, is the ease of doing business. Transacting with Fulcrum is not like some other providers, where there is lots of red tape before you can get to someone that makes a decision. You get to decision makers fast.”
Andre BrooksPrice Forbes South Africa - CEO
“We are not advocating insurance, we advocate knowing your risk. Make conscious decisions about what you will do with your risk. And if your balance sheet cannot tolerate it, then insure it. But if your balance sheet can tolerate it, then take it on the chin”
Seamus CasserlyLockton SA - CEO
“ We want to do business with like-minded service providers, and we moved to Fulcrum for Collection and Premium Finance shortly after starting Hamtern. We felt their business aligned well with us in terms of ethics and service.”
Denis TernentHamtern - Director 
“we wouldn’t be doing business with Fulcrum if it didn’t work for us, we know what we want from our suppliers and clients, and if they were not up to scratch.“
Tracy McLaughlinGIB - Divisional Managing Director 
“Fulcrum has a proven track record with us, and many others in the industry. They have positioned themselves very well in the market and have built key, long-term relationships that span decades. There’s an element of comfort and trust with the brand that would not have been possible if their service and ease of business had not been outstanding.”
Simon Dougall DirectorCrawford Dougall - Director 
“We have a really good relationship with Fulcrum, and we get on exceptionally well with the staff. It's great being able to speak to people who might not necessarily understand what you want, but are willing to work with you to get there.”
Beth GreavesCarl Greaves Brokers - Director
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Our Premium Financing solution
Our simple, established and independently funded financing solution is provided at attractive and sustainable rates.
Our Premium Financing solution
Financed clients are less susceptible to move to other Brokers during the term of the policy.
How to decide if Premium Finance is right for you?
In times of uncertainty businesses need a seamless and safe solution. Fulcrum Premium Finance remains South Africa’s most trusted, professional and reliable provider.
CONVERTED
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Businesses who converted to Premium Finance year to date
CLIENTS
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Businesses trust us to finance their annual premiums
BROKERS
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Brokers rely on us to assist their clients in acquiring the best Premium Finance solution
How do brokers decide if Premium Finance is right for their clients?
Brokers should consider Premium Financing for all their clients that have sizeable or complex insurance policies.
