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Insurance Premium Funding
Don’t let insurance take the majority of your cash flow.
Insurance premium funding allows you to spread the cost of your insurance into predictable monthly repayments, diverting cash to other priorities.
At Inovayt, our team of experienced business loan brokers can arrange premium funding insurance solutions for companies across Australia. If you’re running a small business or managing a large organisation, we help you stay covered while balancing your finances.
What’s Insurance Premium Funding?
Premium funding is a type of short-term finance designed to break down lump sum insurance payments into manageable instalments.
Instead of paying your yearly business insurance upfront, you can spread payments throughout the year. This keeps your cash flow steady and avoids draining working capital that could be used for staff wages, growth opportunities, or unexpected costs.
With our premium funding insurance in Australia, you can combine multiple policies into one simple repayment plan – making it easier to budget and manage your commitments.
Get the most competitive rate from 40+ Lenders
Let us do the hard work for you. Access to Australia’s top lenders means we can find and compare the best deals for your business and personal financial needs.
What our clients say
How Premium Funding Works for You
Businesses partner with Inovayt for our insurance premium funding because we offer more than just flexibility. Here’s why it matters:
Improved Cash Flow
Keep money available for day-to-day operations instead of tying it up in annual lump-sum insurance payments.
Easy Budgeting
Fixed monthly payments make insurance costs predictable and easy to plan around.
Potential Tax Benefits
Depending on business structure, the interest portions of your repayments may be tax-deductible. Always check with your investment financial advisor or accountant.
Additional Lines of Credit
Instead of taking out a traditional loan, Australian premium funding insurance can provide financial breathing space without impacting your main credit facilities.
Multiple Policies, One Plan
From professional indemnity to public liability and beyond, consolidate different insurance policies into a single manageable payment.
Using Inovayt’s Brokers for Premium Funding Insurance in Australia
Sorting through finance options on your own can be time-consuming and overwhelming. Working with an experienced insurance premium funding broker like Inovayt saves time, reduces stress, and ensures you get the right deal for your business.
- Access to a wide network of lenders who specialise in ethical insurance funding options.
- Custom recommendations to match your cash flow and business.
- Support throughout the entire process, from quote to settlement.
- Ongoing reviews to make sure your arrangement continues to work for you.
Unlike going directly to a provider, our brokers act as your advocate, ensuring transparency and negotiating the best possible premium funding insurance terms.
Looking for more support? Many of our clients also use premium funding alongside other solutions such as asset finance options and business loans, creating a complete financial strategy for long-term success.
Is My Business Eligible for Insurance Premium Funding?
Most Australian businesses with annual insurance premiums above $5,000 are eligible for premium funding insurance.
Additional security is generally not required if your premiums are under $350,000, making approval quick and straightforward. For larger policies, a director’s guarantee may be requested.
Ready to Secure Premium Funding Insurance?
Don’t let large lump-sum insurance payments hold back your business growth. With Inovayt, you’ll get expert advice, flexible repayment options, and ongoing support to keep your cash flow healthy.
Speak with our team today to explore your options for premium funding insurance that Australian businesses trust. Contact us now and take control of your insurance costs with a tailored premium funding plan.
Premium Funding – FAQs
Premium funding can cover most types of business insurance, including liability, professional indemnity, property, cyber, and industry-specific policies.
No. Insurance premium funding is separate from your bank credit facilities, so it won’t impact your existing loans or overdrafts.
Yes, most providers require a minimum annual premium of around $5,000. For larger policies up to $350,000, no extra security is usually required.
Absolutely. Many businesses choose to combine several policies into one plan, making repayments simpler and easier to manage.
In many cases, approval is fast, often within 24 to 48 hours once your application is complete.
Depending on your accounting structure, the interest charged on premium funding insurance may be deductible. We recommend confirming this with your accountant or investment financial advisor.
Find an Inovayt Commercial broker near you
Our team of experienced commerical brokers help you discover the right financial solutions for you and your business, so you can put your business in the best possible situation to grow, while having piece of mind.
Our team of experienced commerical brokers help you discover the right financial solutions for you and your business, so you can put your business in the best possible situation to grow, while having piece of mind.
Our team of experienced commerical brokers help you discover the right financial solutions for you and your business, so you can put your business in the best possible situation to grow, while having piece of mind.
Our team of experienced commerical brokers help you discover the right financial solutions for you and your business, so you can put your business in the best possible situation to grow, while having piece of mind.
