For brokers with construction clients
Specialist funding for your construction clients.
Project receipts and insurance payments do not always arrive together. Clearmatch works with you to assess funding for construction clients’ eligible premiums, bringing specialist support to the repayment options you discuss with them.
Funding is subject to eligibility, credit assessment, approval, available funding and agreement terms. Interest and fees apply.
From tender to renewal
Bring insurance timing into the client conversation.
Milestone payments, mobilisation costs and annual insurance renewals can create different demands on cash.
A construction client may be committing cash to materials, labour and plant before the next project payment arrives. Bringing premium payment dates into the discussion helps the client assess funding alongside those commitments.
Start with the client’s actual insurance programme. Tell us which policies renew annually, which relate to a particular project, the entities involved and when premiums fall due. Cover advice stays with the authorised insurance adviser; our team supports you by assessing which premiums can be funded and on what terms.
Work through the details that shape the loan.
Policy dates and project periods
An annual liability policy and a project-specific policy can run to different dates. The policy term and funding requirement need to be considered together.
The business behind the premium
Identify the borrowing entity and the insured entities clearly. A group of projects or companies does not automatically translate into one funding agreement.
Changes during the year
Bring new work, additional premiums or policy adjustments into the funding discussion with us. Coordinate with the client’s insurance adviser where that is a separate role. An agreed loan schedule does not update itself.
Workers’ compensation
Specialist attention for workforce costs.
For your construction clients, workers’ compensation can be an important part of the annual premium conversation.
Workers’ compensation funding is a Clearmatch speciality. For Australian client cases, we can assess the premium notice, relevant scheme, policy period and payment date alongside the business’s other eligible premiums.
Help clients compare available scheme payment options and any early-payment discount against the full cost of finance. The appropriate choice depends on the current terms and the client’s circumstances.
Prepare the client’s case before the premium becomes urgent.
- 01
Gather the programme
With the client’s permission, bring invoices or premium notices, policy types, insurers, cover dates, entities and payment deadlines.
- 02
Explain the timing
Tell us about the client’s project context and expected receipts, so the proposed repayment commitment can be considered alongside the wider plan.
- 03
Support the client’s review
Help the client review eligibility, interest, fees, total amount payable and repayment dates before they decide whether to accept the funding.
Construction funding questions from brokers.
Will repayments automatically follow project milestones?
No. The client’s quote and agreement set the repayment dates. Help the client compare those commitments with expected project receipts and consider delays before deciding.
Can every type of construction insurance be funded?
Eligibility depends on the policy and funding assessment. Provide the client’s actual documents, especially for project covers, home warranty or other policies with particular payment and cancellation terms.
Can Clearmatch assess a more complex client programme?
Yes. Bring the policy mix, dates and entities to our team. Our warehouse, Term Note and limited balance-sheet pathways give us different routes to consider eligible loans under the same credit discipline.
We’re here to help
Bring us your next construction client case.
Talk to our team while there is time to work through the details and support the funding conversation you lead with your client.