South Africa’s most experienced, reliable and professional provider of Premium Finance

About Fulcrum Premium Finance

The Fulcrum group of companies is South Africa’s foremost independent provider of Premium Collection and Premium Finance to the insurance industry.

We provide Premium Finance to brokers and their clients, in particular companies that have multiple lines of insurance with different insurers or must pay premiums annually. They therefore do not need to approach their bank, nor are their cash flow requirements impacted.

Fact

Although our roots stretch back nearly three decades (and our leadership collectively boasts decades of experience in both the insurance and finance sectors), we first took the Fulcrum name in 2012.

Fact

Over 80 Brokers and 2000 insured clients on our books.

Our highly experienced team of specialists, backed by best-in-class systems, delivers an unparalleled experience to discerning clients.

We see it differently.
Being able to see things from a different perspective helps us define the solution that best suits your needs.
There is always a better way.
There are always many solutions with their pros and cons, but if it doesn’t completely fill your needs we will find one that does.
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The funding mechanism allows corporate and commercial clients to enjoy the benefits of annual insurance policies, whilst ensuring that the upfront payment requirement does not impact their cash flow requirements.
Delarey van Dyk
Managing Director at Fulcrum Premium Finance

Meet the Team

We drive ourselves to create products and services that make a difference – no matter how big or small your business challenge.

Because we believe there is always a better way.

Delarey van Dyk Read more
Delarey has worked in the Premium Finance industry for 16 years. His deep understanding of the market combined with extensive operational experience means that he is well equipped to develop strategic plans and drive organisational success.

Delarey van Dyk

Managing Director
Taryn Garson Read more
Taryn has been in the Premium Finance industry for 17 years. She has extensive experience in Portfolio Management, deal structuring and client relations.

Taryn Garson

Portfolio Manager
Bonita Faria Read more
Over the past 20 years Bonita has gained significant experience across all aspects of Premium Finance. She has a passion for sales and for developing and maintaining client relationships and providing efficient service.

Bonita Faria

Portfolio Manager
Valecia McIntosh Read more
Valecia has worked in the Premium Finance industry for over 6 years, gaining valuable experience in the management of client portfolios and in fostering and managing client relations.

Valecia McIntosh

Portfolio Manager
Peter Cowan Read more
Pete has worked in the Premium Finance industry for over 20 years. He is a specialist in credit assessment and deal structuring.

Peter Cowan

Credit Manager
Sandy Cowan Read more
Sandy has worked in the Premium Finance industry for 12 years, prior to which she gained extensive Operations Management experience in the banking and legal industries.

Sandy Cowan

Head of Operations
Emmanuel Thetsane Read more
Emmanuel has 10 years’ experience in the Premium Finance industry. He is focussed on excellence in the management of his client portfolios and on building strong client relationships.

Emmanuel Thetsane

Portfolio Manager
Dominic Booysen Read more
Dominic has worked in the Premium Finance industry for over 9 years. He has experience in both managing client portfolios as well as the day to day operations of the business.

Dominic Booysen

Portfolio Manager
Alice Nkosi Read more
Alice has worked for Fulcrum Premium Finance for the past 8 years. She is an exceptional office administrator and also assists with operations.

Alice Nkosi

Office Administrator
We are here

We have a presence across South Africa.  Find out which location is nearest to you.

GAUTENG

Taryn Garson
Portfolio Manager
T: 072 280 9940
E:taryng@fulcrum.co.za

KWAZULU NATAL

Valecia McIntosh
Portfolio Manager
T: 062 880 4540
E:valeciam@fulcrum.co.za

WESTERN & Eastern CAPE

Bonita Faria
Portfolio Manager
T: 082 520 7159
E:bonitaf@fulcrum.co.za





    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.
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    Alice Nkosi
    Office Administrator
    Alice loves working in the dynamic Premium Finance team and is focussed on getting more involved in operations. She loves gardening, spending time with her family and friends and being the braai-master of her household. She is also a passionate traveller. Alice has an infectious laugh which can brighten up anyone’s day.
    Alice Nkosi
    Office Administrator
    Alice loves working in the dynamic Premium Finance team and is focussed on getting more involved in operations. She loves gardening, spending time with her family and friends and being the braai-master of her household. She is also a passionate traveller. Alice has an infectious laugh which can brighten up anyone’s day.

    Peter Cowan
    Credit Manager

    Pete is serious about credit but is also passionate about service turnaround-time in order to ensure that clients get feedback quickly. Outside of the office, Pete enjoys being active and reading crime novels. He is affectionately referred to as the office Oracle.

    Peter Cowan
    Credit Manager

    Pete is serious about credit but is also passionate about service turnaround-time in order to ensure that clients get feedback quickly. Outside of the office, Pete enjoys being active and reading crime novels. He is affectionately referred to as the office Oracle.
    Emmanuel Thetsane
    Portfolio Manager
    Emmanuel is passionate about offering proactive solutions to his clients and on reaching internal company targets. He is a talented musician and is known as the master of suave. Secretly, Emmanuel has rescued a cat and a fireman from a burning building, mastered Italian and become an International Super Spy.
    Emmanuel Thetsane
    Portfolio Manager
    Emmanuel is passionate about offering proactive solutions to his clients and on reaching internal company targets. He is a talented musician and is known as the master of suave. Secretly, Emmanuel has rescued a cat and a fireman from a burning building, mastered Italian and become an International Super Spy.
    Dominic Booysen
    Portfolio Manager
    Dominic is passionate about building strong long-term relationships with his clients and adding value to the market. Outside of the office, Dominic is involved in raising awareness for Breast Cancer. He also enjoys spending time with family and friends over a braai, motivational books and meditation sessions. Dominic is an avid follower of politics and is also known to be a caffeine-dependent life form.
    Dominic Booysen
    Portfolio Manager
    Dominic is passionate about building strong long-term relationships with his clients and adding value to the market. Outside of the office, Dominic is involved in raising awareness for Breast Cancer. He also enjoys spending time with family and friends over a braai, motivational books and meditation sessions. Dominic is an avid follower of politics and is also known to be a caffeine-dependent life form.

    Bonita Faria
    Portfolio Manager

    In addition to Premium Finance, Bonita is also involved with Cape based charities focussed on the donation and distribution of used clothing and other personal items. Bonita is widely known as Cape Town’s unofficial Ambassador and is a proud supporter of various wine estates. She also enjoys traveling, photography, gardening, baking and cooking. She particularly enjoys trying to recreate famous recipes for family and friends.

    Bonita Faria
    Portfolio Manager

    In addition to Premium Finance, Bonita is also involved with Cape based charities focussed on the donation and distribution of used clothing and other personal items. Bonita is widely known as Cape Town’s unofficial Ambassador and is a proud supporter of various wine estates. She also enjoys traveling, photography, gardening, baking and cooking. She particularly enjoys trying to recreate famous recipes for family and friends.
    Valecia McIntosh
    Portfolio Manager
    As an accomplished Portfolio Manager, she is passionate about building strong client relationships and has a constant drive to develop her skills base. She loves doing yoga, crafts and cooking. Valecia is also a proud knowledge-seeker who tends to get lost in a good book. On weekends she proudly hosts a support group for papercut survivors.
    Valecia McIntosh
    Portfolio Manager
    As an accomplished Portfolio Manager, she is passionate about building strong client relationships and has a constant drive to develop her skills base. She loves doing yoga, crafts and cooking. Valecia is also a proud knowledge-seeker who tends to get lost in a good book. On weekends she proudly hosts a support group for papercut survivors.
    Taryn Garson
    Portfolio Manager
    Underlying Taryn’s wealth of experience is a significant passion for her clients and the colleagues she works with. Taryn enjoys gardening, running and spending quality time with her family. She is from Port Elizabeth and is known to need a 6-month vacation, twice a year.
    Taryn Garson
    Portfolio Manager
    Underlying Taryn’s wealth of experience is a significant passion for her clients and the colleagues she works with. Taryn enjoys gardening, running and spending quality time with her family. She is from Port Elizabeth and is known to need a 6-month vacation, twice a year.
    Sandy Cowan
    Head of Operations
    As a seasoned Head of Operations, Sandy is passionate about solving problems and dealing with clients. When she is not working Sandy enjoys Home DIY, cooking, gardening and spending time with friends and family. Sandy is secretly a millionaire, harbouring three confirmations of dubious Lottery wins.
    Sandy Cowan
    Head of Operations
    As a seasoned Head of Operations, Sandy is passionate about solving problems and dealing with clients. When she is not working Sandy enjoys Home DIY, cooking, gardening and spending time with friends and family. Sandy is secretly a millionaire, harbouring three confirmations of dubious Lottery wins.
    Delarey van Dyk
    Managing Director
    Delarey is passionate about fostering business relationships with clients and brokers. Outside of the office, Delarey is involved in volunteer work with Animal Welfare and is a proud dog dad to 5 adopted Spaniels. Delarey enjoys playing piano and hosting a braai. He also enjoys anything containing sugar and is known as a “recovering” donut addict.
    Delarey van Dyk
    Managing Director
    Delarey is passionate about fostering business relationships with clients and brokers. Outside of the office, Delarey is involved in volunteer work with Animal Welfare and is a proud dog dad to 5 adopted Spaniels. Delarey enjoys playing piano and hosting a braai. He also enjoys anything containing sugar and is known as a “recovering” donut addict.
    Alice Nkosi
    Office Administrator

    Alice Nkosi has worked for Fulcrum Premium Finance for the last 8 years, gaining great experience in Office administration and assisting with Operations.

    As a professional Office Administrator, she loves working with such a dynamic team and getting involved with Operations. In addition to Premium Finance, she loves being the braai-master of her household while spending time with her family and friends. Alice is secretly known to braai better than her husband and goes into survival mode if tickled.