The Fulcrum group of companies is the foremost independent provider of financial services to the South African insurance industry.
We offer innovative, effective premium collections and premium finance services to insurers, brokerages and UMA's, allowing them to focus on what they do best: providing their customers with advice and service.

The Fulcrum Group of companies is the foremost independent provider of financial services to the South African insurance industry

We offer innovative, effective premium collections and premium finance services to insurers, brokeragers and UMA's.

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.

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.

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 CollectDirectTM models will be phased out as we rollout Fulcrum AirCollectTM to our client base.

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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A more efficient evolution of Fulcrum CollectDirect™, Fulcrum AirCollect™ processes premiums as single debits, including net premiums due to insurers, commissions, fees and value-added product (VAP) components – but each debit is split before reaching any bank account, resulting in gross premium being disbursed directly to the bank account of the intended recipient.

This means that insurers won’t need to release commissions and VAP payments, which are instead done automatically; broker commissions are not collected into the insurer’s account, instead going straight to the broker; and a complex administrative balancing process is eliminated.

This allows for a greatly increased level of efficiency and ensures that all recipients of the elements of the premium get their cash immediately, in a fully de-risked environment.

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