How Attvest is changing the premium funding conversation

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Attvest’s Broker Portal, Instant Approval and new Rollover tool are shifting premium funding from an afterthought to a core part of the brokerage business

PICTURE A broker who sits across from a client and provides them with a sizeable premium invoice or has to call a client whose premium invoice has gone overdue. In the past, the broker’s options were limited: ask for payment in full or offer a funding quote – which might or might not come back approved – and hope the conversation and process doesn’t strain the relationship. That scenario is now giving way to something more functional. Attvest has reimagined the moment a broker presents premium funding to a client and built new tools to fast-track the process. For eligible loans, rather than offering a subject to approval, brokers using the Attvest platform can bring an approved loan to the conversation.

Attvest is one of Australia’s leading premium funders, combining innovative technology with relationship-driven service. Since 2014, the business has partnered with more than 850 brokers, delivering tailored funding solutions, fast approvals and smarter systems that help brokers improve efficiency, increase conversions and deliver better client experiences.

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Attvest Instant Approval vs. Auto Approval at other funders

Broker prepares invoice in broker system and requests funding quote

“Instead of providing a broker with a funding quote to sell to their client, Attvest provides the broker with an approved loan to sell to their clients”

Johan Steyn, Attvest

Instead of providing a broker with a funding quote to sell to their client, Attvest provides the broker with an approved loan to sell to their clients,” says Attvest managing director Johan Steyn. It is a shift that changes the language of the conversation entirely. Where a broker once had to say, “This is a funding offer subject to approval,” the new framing becomes, as Steyn puts it, “This is your approved payment plan – no more questions asked.” Attvest’s Instant Approval differs from “Auto Approval services offered by other funders,” says Steyn. The distinction matters more than it might first appear. Approval uncertainty has historically been one of the quieter obstacles in the premium funding process, contributing to hesitancy among brokers who worry that a lengthy process or repeated information requests might unsettle clients. Attvest’s Instant Approval technology is designed to eliminate that hesitancy altogether, and brokers can now sell premium funding with confidence.

Attvest Broker Portal: built by Attvest, designed for brokers At the centre of the Instant Approval offering is the Attvest Broker Portal, a digital platform developed entirely in-house. Rather than routing clients through a separate approval sequence, “The portal gives brokers the ability to present approved loans in real time, helping brokers increase the utilisation of premium funding by their clients,” says Steyn. The decision to build the portal in-house reflects a deliberate philosophy. Technology that serves brokers well has to be built around broker workflows, not retrofitted to them. The portal has a built-in educational function, helping brokers and their assistants who may not be deeply familiar with insurance premium funding to understand the product and how to position it within client conversations. “Across the broker market, the understanding of the premium funding product is still very limited, and the premium funding industry has a long way to go to ensure brokers are properly educated on the IPF product and how to confidently sell it,” says Steyn.

That education sits alongside practical guidance on timing. Knowing when in a client conversation to introduce premium funding is, Steyn says, one of the factors most likely to improve penetration and conversion rates. The portal addresses this by giving brokers both the tools they need and the context to use them well. What brokers are actually gaining Attvest has gathered direct feedback from brokers about where higher funding conversion rates make the biggest practical difference. The results point to three areas, and the one brokers rank highest is perhaps the least expected. It is not the additional funding commission income. “Although a nice-to-receive, most brokers indicated the benefits from a higher renewal rate of clients and less time spent on debtor management far outweigh the additional funding income,” says Steyn. What brokers value most is what happens at renewal. When a higher percentage of clients are already funding their premiums, the annual renewal conversation becomes significantly easier. “Brokers confirmed that the greatest benefit to their business, of having a higher percentage of clients funding their premiums, is making the insurance renewal discussions with clients much easier and results in a higher renewal rate than for those clients paying their premium in full,” says Steyn.

The second benefit is closely related. Managing unpaid premiums takes time and, more awkwardly, it requires brokers to approach clients about money in a way that can feel uncomfortable. Steyn is direct about this: “Many brokers are uncomfortable having difficult payment conversations with clients.” Having an approved payment plan already in place changes that dynamic. “With the Instant Approved loan in their pocket, the broker can confidently approach an overdue client knowing they have an approved payment plan as a solution,” he says. The result, Attvest has found, is that brokers are “very successful converting overdue clients to premium funding when they are past the payment terms of the broker.”

Premium Funding Rollover raises the bar further Building on the momentum of the Broker Portal and Instant Approval, Attvest has now launched Premium Funding Rollover, a significant new feature within the Broker Portal designed to take the simplification of the renewal process a step further. The feature automates and streamlines the renewal funding experience, reducing the manual effort required from both brokers and clients at one of the busiest and most time-sensitive points in the insurance cycle. For brokers who have already moved a higher proportion of clients onto funding, Premium Funding Rollover closes the loop on what had previously been a point of friction. The launch, earlier this month, follows directly from the feedback Attvest gathered from its broker network. If renewal ease is the number one benefit brokers associate with higher funding conversion, then automating the rollover of the funding process is a logical next step in that journey. Rollovers made easier – a strategic shift The technology alone does not do all the work. Attvest is open about better conversations about insurance premium funding and making renewals easier for clients and easier for brokers. This requires more than a portal login. It requires both strategic intent and new tools. "Our technology advancements on their own will improve funding conversion. However, where we have the buy-in from owners and senior management, we have seen funding levels improve from the traditional accepted level of 30% of clients to 60–80%,” says Steyn. Historically, some brokers held back from actively promoting funding because of concerns about approval processes or repeated information requests. “These obstacles have now largely been removed, and brokers can change their approach accordingly,” he adds.

Published 15 Jun 2026

“Brokers who actively embed premium funding into their client conversations earlier in the insurance process are more likely to open up options for their clients and their own businesses”

Johan Steyn, Attvest

Broker prepares invoice in broker system and requests funding quote

Attvest

Other funders

Funding quote is created

Credit review For eligible loans, quote is instantly approved (where criteria are met)

No credit review is done at this point

Broker presents approved loan to client

Broker presents funding quote to client

Client accepts and process is completed

Client accepts quote

Funder does credit review; loan is approved subject to credit review

Source: Attvest Finance

Traditional funding levels at some brokers

Source: Attvest

Aiming for higher insurance premium funding

30%

Aiming for funding levels of

60–80%

To further enhance results, Attvest assists brokers on how to bring the funding topic into client discussions earlier in the renewal cycle. “Brokers who actively embed premium funding into their client conversations earlier in the insurance process are more likely to open up options for their clients and their businesses,” says Steyn. Industry recognition The industry has taken note of what Attvest is building. The company was recently named Funder of the Year 2026 at the Insurance Business Awards, an acknowledgement of its position within the premium

funding sector and its ongoing investment in technology built around broker needs. Steyn describes the award as a reflection of something broader than product features. “The award reflects Attvest’s strong partnerships with brokers and its focus on delivering practical solutions that improve operational efficiency, client outcomes and broker profitability,” he says. For all the technology underpinning the platform, Attvest is careful to frame it alongside the relationships that sit behind the screen. The company’s relationship managers remain central to the business, available to support brokers, solve problems and build the kind of long-term partnerships that no portal can replicate on its own. The technology, in Attvest’s framing, extends those relationships rather than replacing them. “Attvest is not just another funder,” says Steyn. “It is a business focused on helping brokers operate more efficiently and serve clients more effectively.”