Premium Collection Service Provider To The South African Insurance Industry

Fulcrum AirCollect^™ is a South African – and possibly world – first in premium collections.
Fulcrum AirCollect^™ processes premiums as single debits – but each debit is split into insurer net premium, broker commission, UMA fees and value-added products, and paid directly into the bank account of the ultimate beneficiary.

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We pioneered the direct collection concept, de-risking the insurance collection process for insurers while also keeping the broker market involved and invested. Fully legally compliant, Fulcrum CollectDirect^™ collects premiums from policyholders directly into the respective insurer’s bank account, removing the need for guarantees. We manage the entire process.

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We offer brokers, UMA’s and insurers an effective electronic debit order collection service, through our legacy or traditional collections model. We collect premiums on behalf of our clients, disburse commission and fees to brokers and UMA’s, and pay over premiums to insurers and any other approved parties such as value-added product providers. Our Legacy and Fulcrum CollectDirect^™ models will be phased out as we rollout Fulcrum AirCollect^™ to our client base.

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We are the largest independently owned, and most reputable, provider of premium finance to brokers and their clients within the South African marketplace. The zero-security needed to apply for premium financing with Fulcrum makes our offering attractive not only from a working capital management perspective but also from a gearing optimisation view for businesses with such constraints. With Fulcrum, companies know that they can access an additional source of finance, at competitive rates, while not affecting their standing banking facility.

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Latest News

23 February 2026

Published by Fulcrum at 23 February 2026

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News

Important Update: Debit Order Dispute Rules Changing 13 April 2026

We would like to inform you, our valued clients, of important industry-wide changes to debit order dispute rules, which will take effect on 13 April […]

17 February 2026

Published by Fulcrum at 17 February 2026

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Q&A

The Fulcrum Group Q&A: Tony van Niekerk

FULCRUM: Looking ahead into 2026, what trends or shifts, whether business, tech, regulatory, or product-related, do you think will have the biggest impact on the […]

12 November 2025

Published by Fulcrum at 12 November 2025

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Q&A

The Fulcrum Group Q&A: Khaya Mashologu

At Fulcrum, we take pride in working alongside our industry peers and supporting initiatives that celebrate talent, collaboration, and leadership. Following the success of The Insurance […]

5 November 2025

Published by Fulcrum at 5 November 2025

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Q&A

The Fulcrum Group Q&A: Rianet Whitehead

Fulcrum: Looking ahead into 2026, what trends or shifts, whether business, tech, regulatory, or product-related, do you think will have the biggest impact on the […]

Latest News

Important Update: Debit Order Dispute Rules Changing 13 April 2026

The Fulcrum Group Q&A: Tony van Niekerk

The Fulcrum Group Q&A: Khaya Mashologu

The Fulcrum Group Q&A: Rianet Whitehead

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