Insurance Premium Finance
Spread your business insurance costs over 10 monthly payments instead of paying upfront. Preserve cash flow without compromising coverage.
Key Features
Spread Payments
Pay insurance premiums over 10 monthly instalments
No Security Required
No property security or personal guarantees needed
Instant Approval
Decisions in as little as 1 hour for straightforward applications
Any Policy Type
Public liability, professional indemnity, fleet, property, and more
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationPreserve Cash Flow for Operations
Business insurance is essential but paying large premiums upfront can strain working capital. Insurance premium finance lets you spread the cost over 10 monthly payments, preserving cash for operations, inventory, or growth.
The cost is minimal — typically 3.00% to 3.70% flat fee — and it keeps your insurance active without depleting your bank account.
Simple and Fast
Insurance premium finance is one of the simplest forms of business funding. No property security, no extensive financials, and no personal guarantees in most cases. Approvals can happen in as little as one hour.
The premium finance is not recorded as borrowings on your balance sheet in the traditional sense, keeping your debt profile clean for other lending purposes.
Suitable for All Policy Types
Finance any business insurance including public liability, professional indemnity, business pack, fleet insurance, property insurance, workers compensation top-ups, and specialty covers.
Premiums from $1,000 to $5,000,000 can be financed, making this suitable for small businesses through to large enterprises.
Discuss Your Insurance Premium Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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