Insurance Premium Funding

Funding that keeps your business moving

Spread your insurance premiums into monthly instalments and keep your working capital free — so your cover stays in place without straining cash flow.

Get a Quote How it Works

How Premium Funding Works

A simple three-step cycle that keeps you covered while your cash stays free.

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1

Invoice Issued

Your broker arranges the cover and sends through the premium invoice.

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2

FG Pays Upfront

We settle the full premium with your insurer straight away, so your cover takes effect immediately.

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3

Monthly Repayments

You pay us back in steady monthly instalments that keep your cash flow predictable.

Specialised Funding Options

Funding options shaped around how your business works.

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Most Popular

Commercial Insurance Funding

Built for businesses that would rather pay commercial insurance in fixed monthly instalments than a single large lump sum. It covers the full range of business cover — from public liability and professional indemnity to fleet and property.

Key Features:

  • check_circle Combine several policies into one simple monthly payment
  • check_circle Keep your bank credit lines free for growing the business
  • check_circle Interest is generally 100% tax-deductible for NZ businesses
  • check_circle Usually no property security or directors' guarantees needed
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Professional Fee Funding

A tailored option for professional firms — accountants, lawyers, engineers — to let clients pay fees monthly while your practice is paid in full straight away, so budgets stay manageable on both sides.

Key Features:

  • check_circle Get paid in full within 48 hours to strengthen your firm's cash flow
  • check_circle Cut down accounts receivable and the stress of chasing debtors
  • check_circle Add value for clients without taking on extra financial risk
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Why New Zealand Businesses Choose Premium Funding

Preserve Working Capital

Spreading the cost frees up cash to put into stock, equipment or marketing — the things that actually grow the business.

Fixed Cost Budgeting

No surprises from rate movements — your repayments are fixed from day one, so monthly budgeting stays simple.

Unlock Existing Credit

Leave your overdraft and loan facilities available for capital projects instead of tying them up in annual premiums.

Financial planning session

Broker-backed

Funding arranged through your insurance broker, from quote to repayment.

Frequently Asked Questions

What insurance policies can be funded?

Most commercial and higher-value domestic policies can be funded — business interruption, liability, fleet, construction and more.

What are the typical loan terms?

Terms typically run from six to twelve months, so you can match repayments to what suits your cash flow.

Is the interest tax deductible?

Usually, yes — for businesses the interest and charges are generally tax-deductible, but check with your tax adviser for your situation.

How do I apply?

Just ask your broker — at FG Insurance Services or elsewhere — to add an FG Finance monthly payment option to your renewal quote.

Interactive Estimator

Premium Funding Repayment Calculator

Get a quick estimate of your monthly repayments and see how funding spreads the cost.

$ NZD
$1,000 $25,000 $50,000 $75,000 $100,000
Choose Funding Term

info Includes a transparent, one-off Application Fee of $20.00 NZD.

percent Flat Interest Rate is fixed at 6.75% across all funding terms.

Estimated Monthly Repayment
$ 1,069.50 / month
Interest Rate 6.75% (Flat)
Application Fee $20.00 NZD
Total Interest $675.00
Total Cost of Funding $10,695.00

*This is an estimate only. Actual rates and fees may vary based on credit assessment and are subject to terms and conditions.

Ready to improve your cash flow?

Get a no-obligation quote today. Our team will review your details and get back to you within one business day.

Trusted by businesses across New Zealand

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