Premium funding is a cashflow management solution, not just a payment option. It helps clients spread the cost of insurance, maintain liquidity and improve affordability – without compromising cover. 

When structured well, it can create real financial flexibility for your clients. 

As early as possible. 

Loop us in while you’re quoting and we can help tailor settlement dates, instalment timing and funding structures to suit your client’s cashflow – often resulting in a better overall outcome. 

When quoting, think custom rather than standard. Consider: 

• Adjusting settlement dates or using split settlements 
  (longer settlements generally attract lower rates – underwriter terms may vary) 

• Delaying the first instalment date 

• Selecting a preferred direct debit date that works for your client 

Your Arteva BDM can help structure this with you. 

A manual quote should be used if the client: 

• Has credits, or 
• Is insured with international underwriters 

Background funding may not capture these scenarios correctly, which can lead to higher costs or rework. 

Yes and it’s encouraged. 

Combining multiple invoices into one funding contract helps: 

• Reduce overall funding costs 

• Minimise missed invoices 

• Simplify administration for you and your client 

This is especially important when using background funding. 

The borrowing entity must exactly match the ABN and/or ACN provided. 

For trust structures, we’ll need: 

• The trustee name, and 

• The trustee ABN or ACN 

Getting this right upfront helps avoid processing delays. 

Please only add notes that are essential to processing. 

Helpful notes include: 

• “Change drawing date to the 15th” 

• “Change from monthly to fortnightly” 

• “Delay first instalment to [date]” 

General comments like “please process” or “thank you” (while appreciated!) can remove the application from automated processing and slow things down. 

The eFund portal allows you to: 

• Update client bank details 

• Process endorsements 

• Check settlement dates 

• Print client statements 

• Cancel a loan (with payout amount provided) 

Users with Administrator access can also add, delete and reset users and passwords. 

Tutorials are available in the portal, or your Arteva BDM can walk you through it. 

For negative endorsements or return premiums: 

1. Return the amount to Arteva electronically 2.
2. Use the loan number as the payment reference
3. Email the invoice to us for processing