Lending Association

Navigating the challenges of inflation and rising interest rates with premium funding.

As inflation and rising interest rates continue to put pressure on businesses and individuals, managing cash flow has become increasingly important. One solution that can help clients manage their cash flow is premium funding. 

What is premium funding? 

Premium funding is a financing option that allows businesses and individuals to pay insurance premiums in instalments rather than as a lump sum. This can help ease the financial burden of insurance premiums and provide more flexibility in managing cash flow. 

What are the benefits of premium funding? 

The main covers provided include:

  • Cash flow – frees up working capital for other higher income return generating opportunities 
  • Interest charges can be tax deductible 
  • Flexible repayment options (monthly, quarterly). By spreading the cost of insurance premiums, businesses can free up cash flow for other expenses and investments. 
  • No additional security required – the insurance policy acts as the security 
  • No impact on the ability to utilise an existing line of credit with the bank 

How premium funding works.

We will arrange a premium funding quote with your invoice.

You simply need to review the quote and accept.

The premium funder will pay your insurance premiums upfront on your behalf.

You make the agreed instalments to the premium funder.

Contact us

Premium funding can be a valuable tool for businesses and individuals looking to manage their cash flow and protect their assets. By providing flexible repayment terms, tailored coverage, and cost-effective financing options, premium funding can help you navigate the challenges of inflation and rising interest rates. 

Interested in how premium funding can benefit you? Contact the team at LA Insurance today! 


LA Insurance Pty Ltd ABN 16 610 540 577. Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd, Australian Financial Services License 240549. Corporate Representative No. 1255587.
Any information provided herein is of a general nature only. No consideration has been taken into your objectives, needs or financial situation. Before acting on this information you should consider if it is appropriate for your situation.