For brokers · Funding workflow
A clear proposal starts with the right detail.
Your knowledge of the client gives a funding enquiry context. A current premium invoice, a clear payment deadline and an understood next step help our team work through the case with you.
General information for brokers. Funding is subject to eligibility, assessment, approval, available funding and agreement terms. Interest and fees apply.
Start with the client’s programme.
Confirm the insured entity, the proposed borrowing entity and the relationship between them. Gather the current premium invoices or notices, policy numbers, insurer or scheme, periods of cover and amounts already paid. Flag different entities or inception dates early.
Explain whether the enquiry concerns a renewal, new policy, additional premium or adjustment. Your account of the business and its insurance programme helps our team identify what needs assessment and where further information may be useful.
Make the payment deadline explicit.
Tell us when payment must reach the insurer or scheme, including any different deadlines across the programme. Identify the client’s proposed repayment timing, existing funding and any unresolved premium amount.
Allow time for review, documentation and payment processing. If a deadline is close or a premium is overdue, flag it at the outset and confirm the insurance position with the insurer or scheme. A funding enquiry does not confirm cover or approval.
Use the tools, with people available.
Brokers can use the existing quoting and policy-change tools to bring the case information together. Our funding team remains available when the programme needs discussion, a document needs explaining or the next step is unclear.
Before sharing information, obtain the client’s permission and use the appropriate channel for the documents requested. Agree who will supply any outstanding detail and who will complete the funding documentation.
Bring the case that needs a closer look.
Clearmatch has a securitised warehouse, a Term Note marketplace and selective balance-sheet capacity. These routes give our team different ways to consider eligible loans when a programme needs specialist attention.
Funding capacity does not replace assessment. For a complex case, bring the entity structure, policy dates, premiums and business context so the funding route, documentation and responsibilities can be discussed.
Help the client compare the commitment.
Before acceptance, help the client review the loan amount, term, interest, fees, total amount payable and repayment dates. Check any security, default, early repayment and policy-change conditions in the quote and agreement. Ask our team to explain information that needs clarification.
For Australian products within the AFIA Code’s scope, the APR excludes fees. Consider it alongside the separate Total Cost of Credit and Total Repayment Amount, rather than as a complete measure of the cost.
Where a scheme or insurer offers direct instalments or an upfront-payment discount, compare the actual options and conditions. A discount alone does not establish that funding is cheaper. The client should obtain appropriate advice where needed.
Keep ownership clear after acceptance.
Confirm the contact for documentation, settlement questions and later policy changes. Cover advice remains with the client’s authorised insurance adviser. Our team assesses the funding and supports the conversation you lead.
An additional premium, refund or change in the insured business may affect the funding requirement. Raise it with our team; an existing loan does not change automatically. Customers with an existing repayment difficulty or complaint can use the direct support channels.
We’re here to help
Talk through a client case.
Bring us the premium, the timing and the detail that needs attention. Our broker team will help you identify the next step.