Attvest: broker-channel premium funding and a sales-linked cash advance

Attvest does not look like most lenders in this directory. It does not market itself to business owners with a headline loan. Its website speaks to insurance brokers, and the finance it offers business owners tends to arrive through them: an insurance premium spread into instalments, or a cash advance repaid out of sales. That makes it worth understanding, because plenty of owners meet its products without knowing the name.

This profile sets out what Attvest lists on its own website as at October 2026, who each product suits and what to ask before agreeing to any of it.

What products does Attvest list?

The Brisbane-based company lists several services:

Product	What the website says	Practical meaning
Premium funding	Commercial and domestic insurance premium funding with flexible funding and settlement terms	Insurance paid for you, repaid in instalments
ATTassist	Accounts receivable services, partial or full outsourcing	Help chasing and managing what customers owe
ATTpay	A payment gateway for annual, monthly or delayed payments, by direct debit or AMEX Commercial Card	A way to take instalment payments
BiiGGA	Merchant cash advance repaid using a percentage of cash flow	Upfront cash, repaid as you trade
Special arrangements	Tailored funding for brokers with a binder agreement with an insurer	Aimed at brokers rather than borrowers

The site says relationship managers service every Australian state and that Attvest supports more than 600 active brokers. It does not publish funding limits or general eligibility criteria.

How does BiiGGA differ from a normal business loan?

A merchant cash advance gives you a lump sum and takes repayment as a share of your business’s cash flow, rather than a fixed instalment on a set date. In busy weeks you repay more, in quiet weeks less. That flexibility is the appeal.

The catch is cost. Cash advances are usually priced with a single fee rather than interest, so the cost can be hard to compare with a term loan. The honest comparison is always the total dollars repaid against the cash you received, and how quickly it is repaid. Our merchant cash advance guide explains the pricing, and the glossary entry gives the short definition. For a head-to-head view, see merchant cash advance vs business loan.

Questions to put to anyone offering one:

1. What is the total I will repay, in dollars?
2. What percentage of my takings is taken, and from which accounts or terminals?
3. What happens in a slow month? Is there a minimum?
4. Can I pay it out early, and does that reduce the cost?
5. Is a personal guarantee or security over business assets required?

Who might Attvest suit?

Attvest’s model points to a clear starting point: you already work with an insurance broker. If that is you, it is reasonable to ask the broker what premium funding and cash advance options sit behind them.

• Premium funding suits a business that is financially sound but would rather spread a large annual insurance bill. Our page on Elantis covers the same idea from another funder.
• A cash advance can suit a business with steady card or sales takings that needs quick working capital and accepts the trade-off in cost.

If you don’t have a broker, or the real issue is a longer-term funding gap, a conventional product will probably serve you better.

When is a cash advance the wrong tool?

Be cautious if you are already carrying other daily or weekly repayments. Stacking a sales-linked advance on top of existing online loans can squeeze cash flow quickly, and it is how many owners end up needing to pay out a merchant cash advance later.

It is also a poor fit for a one-off, large purchase where a term loan or equipment finance would spread the cost over a known period.

If you want a quick cash product from a lender that publishes its criteria, you can compare it with Bizcap, and read about revenue-based finance, which links repayments to income in a more structured way.

Weighing a cash advance against something steadier? Talk it through with us before you sign.

What to try if Attvest isn’t the right fit

• A fixed-repayment option. An unsecured business loan gives certainty about each repayment.
• A flexible limit. A business line of credit lets you draw only what you need.
• Money tied up in invoices. Invoice finance advances cash against what customers owe.
• Property to offer. A secured loan can open up larger amounts and a longer term.

Want a second opinion before you commit?

Cash advances and premium funding are quick, but they are easy to accept without seeing how they sit alongside your other commitments. A short conversation can show whether there is a cheaper or steadier way to get there.

Enquiring takes around a minute, doesn’t involve a credit check, and your information isn’t scattered across a crowd of lenders. Someone on our team reads it and calls you. Fill it in as accurately as you can so the options we raise suit your business from the first call.

Ask for a second opinion on your funding →