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Premium Funding

Preserve working capital and enhance cash flow by spreading your annual insurance premium over monthly instalments at a competitive interest rate.

Increase liquidity

Eliminates large upfront insurance premium payment to insurers.

Fixed interest rate

Eases insurance costs budgeting and

Retain capital

Frees up cash for business opportunities or prepare for unforeseen expenses.

Macroeconomic trends can have major negative impacts on SMEs, affecting their survival.

A 2022 study in Singapore shows that only 42% of small and medium-sized enterprises (SMEs) have enough cash flow to sustain their operations for six months or longer.The same study reveals that most SMEs prefer to ease up cash flow and improve liquidity with loans at lower interest rates.

Marsh, the world’s leading insurance broker and risk advisor, has partnered with licensed premium funding vendor Clearmatch to offer Premium Funding exclusively for our eligible clients.

Why should SMEs consider Premium Funding?

Premium Funding allows SMEs to opt for spreading their annual insurance premiums into monthly instalments at a competitive fixed interest rate. The benefits of Premium Funding include:

  1. Eliminates large upfront premium payment.
  2. Improves cash flow and working capital.
  3. Preserves existing lines of credit, cash or overdraft.
  4. Eases insurance costs budgeting and forecasting with fixed interest rate.
  5. Customisable payment plans.
  6. Financed amounts are kept off balance sheet and expensed monthly as costs on P&L.

How to apply for Premium Funding?

Our eligible clients can apply in six easy steps:2

  • Step 1: Look for the “PAY BY THE MONTH” box at the bottom of your invoice.
  • Step 2: The unique link or QR code connects you to Clearmatch’s Application Form.
  • Step 3: Review your policy and Premium Funding details.
  • Step 4: Input your details as required and submit as part of the application and e-Giro process.
  • Step 5: An email confirmation will be sent to you. Immediate approval will be granted upon successful application.
  • Step 6: Premiums will be settled by Clearmatch to the insurers at inception, while you make monthly payments to Clearmatch as per the payment plan.


Premium Funding is provided by a licensed financial services company known as a premium funding provider, a specialised lender that funds the annual insurance premium to an insurer, structures convenient payment options, and allows you to better manage your insurance premiums. Marsh has selected Clearmatch as our preferred premium funding provider.

Why Marsh?

As the global leader in insurance broking and risk advisory, Marsh is dedicated to providing innovative and relevant solutions to Asia’s enterprises, including SMEs. With our Premium Funding solution, we help you to improve your cash flow, so that you will be ready to take advantage of opportunities to foster resilient business growth and expansion. 

Our people

Alyssa Ooi

Alyssa Ooi

Vice President, Corporate & Commercial Segment, Asia

Premium Funding: A smarter way to free up your cash flow

Get in touch with our risk advisors to learn more about Premium Funding today.

1 UOB, Accenture, Dun & Bradstreet. ASEAN SME Transformation Study 2022.

2 Terms and conditions apply. Each application will be assessed and processed based on a case-by-case basis.