Explore Our Solutions
Tailor how your clients receive their premium funding offer, with flexible delivery options designed to work the way you do.
Our Solutions
What is Premium Funding?
Watch our video to find out more about the benefits of premium funding — What It Is I How It Works I Why It Matters
IQEdge
Create premium funding quotes in under 60 seconds, before or during a client meeting, helping you save time, respond instantly, and deliver a seamless client experience.
SchemePay
SchemePay is a fully hosted, low-setup solution that enables scheme clients to quote and apply for premium funding online.
Background Funding
Fund more with less effort. Offer premium funding quotes on your invoices. Spend less time creating funding quotes and empower your clients to accept multiple quotes at once through My Account, IQumulate's secure Borrower Portal.
One loan, multiple policies.
IQOnline
IQOnline makes it easy to turn online quotes into sales. Give your customers buying insurance online the option to pay monthly — right from your website — so they can choose what works for them.
More choice. More convenience. More conversions.
How it works
Quoting
Acceptance and Payment
Settlement
Renewals
Quoting
IQumulate’s 5-Star multi‑award winning broker quote and loan portal, lets you quote directly in your broking system or via our website — with no rekeying and no disruption.
With monthly instalments built into your invoice, quotes can be generated automatically — saving you time, reducing your admin, and making it easy to offer flexible payment options your clients value.
IQEdge makes premium funding effortless.
Acceptance and Payment
Give your clients the flexibility to accept and manage their premium funding in a way that suits them.
With My Account, clients can quickly accept their loan, set up payments, and manage their account details anytime through a secure, mobile-friendly portal. For those who prefer it, traditional signed agreements are also supported.
With IQOnline, acceptance happens seamlessly at the point of insurance purchase — allowing clients to quote, bind and pay in one simple journey, with the option to spread payments monthly.
More flexibility. Faster acceptance. A smoother path from quote to cover.
Settlement
As the only premium funder offering DEFT payment options, IQumulate gives brokers a smarter, more streamlined way to manage settlements — reducing manual processing and improving cash flow visibility.
Recent enhancements to our settlement experience mean faster processing, clearer reconciliation, and less back-and-forth — helping your team move from funding to completion with greater speed and certainty.
Available to Macquarie customers, Macquarie Premium Payments (DEFT) seamlessly receipts and reconciles IQumulate settlements — connecting directly to your Australian bank account and broking system for accurate, automated processing with minimal effort.
Simpler. Faster. More controlled — so you can focus on clients, not payments.
Renewals
Renewals made effortless — IQEdge lets you renew and endorse loans in just two clicks, straight from your workflow.
No duplicate data entry, no delays — just fast, seamless renewals that help you enhance client experiences, retention and save you time.
Less admin. Faster renewals. Better cash flow.
Quoting
IQumulate’s 5-Star multi‑award winning broker quote and loan portal, lets you quote directly in your broking system or via our website — with no rekeying and no disruption.
With monthly instalments built into your invoice, quotes can be generated automatically — saving you time, reducing your admin, and making it easy to offer flexible payment options your clients value.
IQEdge makes premium funding effortless.
Acceptance and Payment
Give your clients the flexibility to accept and manage their premium funding in a way that suits them.
With My Account, clients can quickly accept their loan, set up payments, and manage their account details anytime through a secure, mobile-friendly portal. For those who prefer it, traditional signed agreements are also supported.
With IQOnline, acceptance happens seamlessly at the point of insurance purchase — allowing clients to quote, bind and pay in one simple journey, with the option to spread payments monthly.
More flexibility. Faster acceptance. A smoother path from quote to cover.
Settlement
As the only premium funder offering DEFT payment options, IQumulate gives brokers a smarter, more streamlined way to manage settlements — reducing manual processing and improving cash flow visibility.
Recent enhancements to our settlement experience mean faster processing, clearer reconciliation, and less back-and-forth — helping your team move from funding to completion with greater speed and certainty.
Available to Macquarie customers, Macquarie Premium Payments (DEFT) seamlessly receipts and reconciles IQumulate settlements — connecting directly to your Australian bank account and broking system for accurate, automated processing with minimal effort.
Simpler. Faster. More controlled — so you can focus on clients, not payments.
Renewals
Renewals made effortless — IQEdge lets you renew and endorse loans in just two clicks, straight from your workflow.
No duplicate data entry, no delays — just fast, seamless renewals that help you enhance client experiences, retention and save you time.
Less admin. Faster renewals. Better cash flow.
What our brokers say about us
See what some of our 1,100 brokers across Australia and New Zealand have to say about their IQumulate experience.
"IQumulate continues to be our Premium Funding of Choice. We cannot fault their dependable service and flexibility of both the staff and technology solutions. Whenever we need IQumulate, our Relationship Manager has been exceptional."
"I enjoy working with the team at IQumulate. Their service is fantastic, and they are always keen to work together to achieve the best outcomes for our clients."
"IQumulate have been an active partner for Willis Towers Watson for many years, helping us improve our Premium Funding client delivery and building efficient processes – with really positive impacts. IQumulate have helped us to use our data more effectively to understand client behaviour and opportunities with increased sales a direct result, whilst also helping us build a colleague recognition scheme so WTW client teams can be rewarded for their efforts.
Importantly, IQumulate also focus on ‘getting the deal done’ so that each and every client can fund their policies."
"IQumulate have systems and processes that are simple to ensure an easy process for us and our clients. Our relationship manager deals with all our matters timely and professionally and our business relationship is going from strength to strength."
"BCS Broking are delighted to be involved with IQumulate, the service is first class and we enjoy the ease of doing business. We would happily recommend IQumulate to any other brokerage."
"We choose to use IQ in our own business to help cash flow, so it makes sense to recommend it to our clients. Their service teams are great and always accessible, they have invested well in an easy to use online platform which I love using.
2020 taught us cash is king, so managing our cashflow and my clients is a very important part of our business. The IQ platform and teams have always been easy to engage and it’s a pleasure to work with professionals."
"IQumulate has been an extremely important business partner for Zenith Insurance Services and our clients have benefited from their wonderful service over many years.
Natalia and her team have always been responsive to our clients’ requirements and their service has always been exemplary.
Zenith looks forward to continuing our relationship with IQumulate for many years to come and we would not hesitate to recommend them to other insurance brokers and their clients."
"IQumulate, have been an integral part of the growth of Asset Insurance Partners over the past 7 years – and their focus on the client has been paramount."
"IQumulate is an essential component of Planned Cover’s service model and offering to clients. Over the course of our long association with IQumulate we have always found the various representatives to be professional, efficient, reliable and progressive."
