Because Paying Upfront Shouldn’t Hold You Back

Insurance Premium Funding (IPF) lets you spread the cost of annual insurance premiums into manageable monthly repayments. Instead of a large upfront payment, you can keep your cover active while freeing up working capital for other priorities.

Business Insurance

Protect your operations and assets.

Professional Indemnity

Safeguard your professional advice and meet compliance requirements.

Fleet & Vehicle Insurance

Keep your company vehicles covered without the upfront cost.

Plant & Equipment Insurance

Cover valuable tools, vehicles, and machinery without tying up cash flow.

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Ajay Thakur profile picture
Ajay Thakur
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Manuela was great to deal with and I would highly recommend her
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Brodi Gant profile picture
Brodi Gant
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Manuela was amazing, was able to get a loan in a short amount of time and the process was made easy.
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Sam Crocker profile picture
Sam Crocker
6 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Highly recommend Callum and the team. Very helpful and easy to deal with.
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Andrew Davis profile picture
Andrew Davis
13 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Greg, Caron and the team are great to deal with. Nothing is a problem with them, they will get you sorted for your financial needs
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Dan Wicks profile picture
Dan Wicks
13 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Dylan made it super easy to obtain finance on the two ocasions I have dealt with QPF and I have no problem recomending them to any one looking for plant and equipment finance.
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Luke Polomka profile picture
Luke Polomka
17 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I personally highly recommend Callum and the team from QPF Finance in Toowoomba. I have been dealing with Callum for the past 10+years with all aspects of commercial and business funding. Highly recommended, communication and support is second to none. You will not be disappointed.
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Kris Jennings profile picture
Kris Jennings
18 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Kris Jennings owner of Jennings Bulk Haulage Been with Callum for 11 years now, though all business highs and lows he has been there with me, we class him as family now, brought other friends, family and business partners to the QPF family, even people who used to deal direct to banks. We are very pride full on having our 3 original partners Accountant, insurance and finance. I believe these 3 core people can make or break a company. Google doesn’t have enough stars to rate cal
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David Fistr profile picture
David Fistr
18 days ago
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Just like to say Callum and his staff simply to an outstanding job looking for the best rate they can give you. I have dealt with Qpf for many years. And there no fuss professional service is the best you will find anywhere. So give them a try you will not be disappointed. Honest down to earth people. Can't trust many people these days. But Callum is the acception. EXCELLENT WORK ALWAYS !!!!
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David Fistr profile picture
David Fistr
19 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Again Callum and Melissa have done an outstanding job, Always doing there best to find and supply a great rate and service, I always recommend them if your looking for a friendly no fuss company, QPF FINANCE IS THE BEST . Thanks again QPF for helping me find a great rate, much appreciated David James fistr.
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bec P profile picture
bec P
26 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Manuela is and was one of the most supportive and informative brokers I have had the pleasure doing business with. From the first time I spoke with her she put me at ease (I was pretty freaked out about getting a loan) and gave me every single bit of information I needed. She handled all of my many many queries, questions and what if’s professionally and also made me feel safe and looked after. Anything I didn’t understand she was happy to explain and in great detail and was always available when needed. It was an absolute pleasure having her as my broker and I will be recommending any of my friends and family to her in the future. Thank you so much for getting me into my much needed and very overdue new car!!!
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Said Atalla profile picture
Said Atalla
26 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Dylan Long was so great, professional communication, he prepared the marine quote loan quickly & professionally, emails always sent for every update, no need to call, I believe I will be a return customer, this is a real 5 start service.
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Jonathon Strattonj profile picture
Jonathon Strattonj
26 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Have been using QPF Finance to purchase all my plant for my Earthworks Business over the past 8 years and highly recommend Callum and Melissa for their professional work and quick turnaround in getting the loans approved. Regards Stratton Earthworks and Drainage
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Lucas White profile picture
Lucas White
40 days ago
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We have use Max and the QPF team for our finance needs for a number of years. They go above an beyond and would highly recommend them to any business looking for finance
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Jack Segond profile picture
Jack Segond
40 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Manuela Mattiuzzi was great to deal with. Made everything easy and simple, explained everything well and didn't feel like I had to be on the back foot. Definitely recommend
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Shaun Birmingham profile picture
Shaun Birmingham
48 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I would like to acknowledge Manuela Matiuzzi for her work on my recent loan application. Nothing is a stress when dealing with Manuela she presented clear and concise information and was able to explain any questions I had with out hesitation or delay. I would happily recommend Manuela to my friends and family.
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Abigail Kadel profile picture
Abigail Kadel
52 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Both Manuela & Luke from QPF Finance are great! Very helpful, and helped me get the result I was after. Highly recommend.
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Sheraya Theron profile picture
Sheraya Theron
54 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a positive experience getting finance with QPF. Manuela was great to deal with - both proactive and friendly. Even got the rate down for us a little which was much appreciated.
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Rory Bourke profile picture
Rory Bourke
60 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jayden was fantastic to deal with, pretty much organised everything for me I signed papers on my phone and picked up my truck. Also got me an extremely competitive interest rate. Will 100% use again in the future
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Nathan Dowling profile picture
Nathan Dowling
60 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Manuela did a fantastic job they patient very easy to deal with and will work with you and for you your not just a number
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PATRICK COYNE profile picture
PATRICK COYNE
61 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I highly recommend Manuela Mattiuzzi at QPF when looking for a finance broker. Manuela's service in my recent application was exceptional. She is thorough and proficient in her job yet still so very personable and engaging. Nothing seems to be too much trouble for Manuela and her confident approach was very reassuring. I will seek out Manuela again in the future should I need to.
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Alexander Byrne profile picture
Alexander Byrne
63 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I recently used Katelyn at QPF finance for our recent purchase of our new Kenworth and was excellent to deal with and gave us extremely competitive pricing on finance with outstanding customer service Definitely recommend Katelyn and the QPF team for any financial services
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Steve Moreels profile picture
Steve Moreels
68 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’ve been using Sally and the QPF team for all our business and personal finance for our vehicles and equipment for over 5 years now & can honestly say I don’t even get another quote as they offer a seamless process with great advice and options and have always sorted me a great deal they even just helped our son buy his first car!
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Josh Oosen profile picture
Josh Oosen
68 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Manuela was so easy to deal with and did everything possible to help me. Very thankful for all the communication and constant contact with Manuela. Would highly recommend
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Georgie Crozier profile picture
Georgie Crozier
68 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a wonderful experience with my finance broker Manuela at QPF. The process was simple and stress free
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Mark Nicholson profile picture
Mark Nicholson
77 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Highly recommend using Callum and Melissa, for your next vehicle purchase , I have used them for my last 4 car loans, they make the process extremely easy and are very competitive.

INSURANCE PREMIUM FUNDING CALCULATOR

Estimate Your Repayments

Want to know what your repayments could look like after consolidating your premiums?

Use our insurance premium funding calculator to get an instant estimate on your repayments.

Loan Amount

Interest Rate

Loan Term

Balloon / Residual

Repayment Frequency

Your Estimated
Repayments

per week

Disclaimer: This calculator provides an estimate only and does not constitute a loan offer. Actual repayment amounts may vary depending on your individual circumstances and lender terms. Contact a QPF Finance Broker for a detailed quote.

Get in touch

Talk to our team today about flexible insurance premium funding options that help you stay protected while managing cash flow.

How It Works

Tell us your insurance details

Share your insurer, policy and premium amount — we’ll take care of the rest.

We find the right funder

Our brokers compare options from Australia’s leading premium funders to find the best fit.

Quick approval, no disruption

Stay covered while spreading repayments over 6–12 months — most applications are approved within 24–48 hours.

You stay protected, stress-free

Keep your insurance active and your cash flow intact, with predictable monthly repayments.

The QPF Difference

Our business started out just like yours. From humble beginnings in 1977 to the trusted national brand we are today, one thing has stayed the same — our family values.

We understand what it takes to grow a business and the cashflow challenges that come with it. From managing equipment and vehicles to covering annual insurance premiums, we’ve helped thousands of Australian business owners protect what they’ve built while keeping their finances on track.

Our team takes the time to understand your goals and tailor funding that truly supports the next step in your business journey — so you can stay focused on running your business with confidence.

Family-Owned & Operated

We’ve built our business the same way you’ve built yours.

Access to 80+ Lenders

We don’t just go to the banks, we find lenders that actually back small business.

Fast Turnarounds

Some lenders can approve and settle within 24–48 hours.

End-to-End Support

From structuring to settlement, your broker stays with you the whole way.

Everything Finance in One Place

Business, equipment, property, insurance - we've got you covered across the board

Stay Protected Without the Pressure on Cash Flow

Paying insurance premiums upfront can put pressure on your budget — especially when managing multiple policies across your business. With QPF, you can spread those costs over regular monthly repayments while staying fully insured.

We work directly with your insurer or broker to arrange funding quickly, so there’s no disruption to your cover and no drain on your working capital. It’s simple, fast, and built to make business easier.

BUSINESS INSURANCE LOAN

Frequently Asked Question's

What types of insurance can be funded?

How long are the repayment terms?

Do I need to provide security or collateral?

Can I cancel my funding agreement early?

Who is eligible for insurance premium funding?

Do I need to change my insurance provider?

Is my insurance cover active while I’m repaying?

Can I fund multiple policies under one agreement?

How quickly can funding be approved?

Show more

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