The seamless solution for businesses with annual insurance to preserve cash flow

Fulcrum provides seamless, rapid Premium Finance solutions.

Reasons why our clients
choose us

1 Frees up cash for reinvestment in operations By paying off annualised insurance monthly through Premium Financing, businesses free up substantial cash flow. Let's chat 2 Enables leverage at attractive, sustainable rates Premium Finance effectively works as an attractive alternative to a bank facility, enabling businesses to leverage off of our independently financed balance sheet. Let's chat 3 Claim substantial VAT refunds, upfront Enables businesses to claim hefty VAT benefits at the beginning of the year, not the end. This frees further cash and generates a substantial time-value-of-money saving. Let's chat 4 A cheaper and more practical alternative to package an entire insurance portfolio A cheaper and more practical alternative to package an entire insurance portfolio Let's chat 5 Preferential to rescheduling with the insurer Premium finance costs are typically cheaper than the additional premiums charged by insurers when converting from annual to monthly. Let's chat
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
R 0
Million

Schemes Premium
Finance Business

R 1
Million
Premium Financed
Per Annum

How do brokers benefit?

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.

SA’s most trusted
provider of Premium Finance solutions.
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.

SA’s most trusted
provider of Premium Finance solutions.

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.

How onerous is the process of setting up a Premium Finance facility?

Once in receipt of an annual insurance quote, either the Client or the Broker may contact Fulcrum directly for a Premium Finance quotation.

Slide We pride ourselves on a
turnaround of no longer
than 24 hours.
* In line with the policy requirements

How we add it all up
R500, 000.00 * Nominal Annual Compounded Monthly Annual Premium Total Amount Due

Repayable:
First Instalment is collected
(On signature of agreement)

VAT Benefit:
(Claimable upfront at beginning of period)
R518,000.00



R51,800.00

Remaining nine instalments collected
(Monthly by Debit order)
R18,000.00

TBA


R62,217.39

R51,800.00
Interest Rate @ e.g. 3.6% flat:
(9.53% NACM*)
Admin Fee
Some of our Broker Partner profiles

Crawford Dougall

Crawford Dougall Insurance was founded in 1989 by industry stalwart Andy Dougall. Hailing from Alexander Forbes, Andy’s keen eye for opportunity initially saw him…

Learn more

GIB

Tracy McLaughlin brings a wealth of experience in the insurance industry to her role as DivisionalManaging Director at GIB, a leading, proudly South African Insurance

Learn more

RBS Insurance Brokers

South African born insurance broker, Risk Benefit Solutions, was started in 1998 as a one man show by Michael Peterson and has since grown to become the sixth largest

Learn more
Some of our Broker Partner profiles

Lockton Brokers SA

“We prefer that our clients don’t insure”
– the business value proposition at the heart of Lockton Insurance Brokers South Africa.

Learn more

Hamtern

Hamtern Financial Services was established in January 2010 by Denis Ternent and Ian Graham, both of whom previously held executive management positions…

Learn more

Price Forbes

Andre Brooks, CEO of Price Forbes South Africa has been in the insurance industry since 2006. Starting out as an underwriter in marine insurance before making his way…

Learn more





    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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