South Africa’s trusted provider of insurance Premium Financing
A trusted and attractive financing solution for businesses with complex or costly annualised insurance.
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.
How do brokers benefit?
Financial benefit
Brokers will receive their full annual fees and commissions upfront.
Client retention
Financed clients are are less susceptible to being poached by other Brokers during the term of the policy.
Reduced administration
Fulcrum handles the debit orders and credit control collections, covered.
Fulcrum Collections
As a member of the Fulcrum Group, we can handle collection requirements.
How do brokers benefit?
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.
The funding mechanism promotes the benefits of corporate and commercial clients electing 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
Managing Director at Fulcrum Premium Finance
Why use us?
During these difficult times, many clients are approaching insurers to reschedule annualised insurance. Typically, premium finance is a cheaper alternative.
R
0
Million
Standard Premium
Finance Business
Finance Business
R
0
Million
Schemes Premium
Finance Business
R
0
Million
Premium Financed
Per Annum
Per Annum
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 McLaughlinHamtern - 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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Delarey van Dyk
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Taryn Garson
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Bonita Faria
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Valecia McIntosh
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Peter Cowan
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Sandy Cowan
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Emmanuel Thetsane
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Dominic Booysen
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Alice Nkosi
A trusted and attractive financing solution for businesses with complex or costly annualised insurance.
Where your clients have multiple lines of insurance with different insurers or where those insurers require premiums to be paid annually, Premium Finance may be the only solution.
SA’s most trusted
provider of Premium Finance solutions.
provider of Premium Finance solutions.
We provide a Premium Finance facility for domestic, corporate and commercial clients who wish to finance their annual short term insurance premiums, enabling them to pay their annual insurance premiums on a monthly basis.
