Credit Insurance
Protection against non-payment, designed to safeguard revenue, support confident trading and strengthen access to funding.
Where businesses trade on credit terms, a single bad debt or customer failure can materially impact cash flow. Credit insurance helps mitigate that risk while supporting growth and lender confidence.
Often used where
Businesses trade on credit terms, have concentrated debtor exposure, operate internationally, or want to support invoice finance facilities with additional security.
Commercial reality
Most businesses extend credit to customers as part of normal trading. While this supports sales, it also introduces risk, particularly where customers delay payment or experience financial difficulty.
Credit insurance provides protection against non-payment, helping to stabilise cash flow and protect margins.
What it typically covers
Why businesses use credit insurance
Mitigate the impact of bad debt and unexpected customer failure.
Trade with greater confidence, including with new or larger customers.
Enhance the quality of receivables and improve lender appetite for invoice finance facilities.
Relationship with funding
Credit insurance can play a key role in supporting invoice finance and asset-based lending facilities, particularly where debtor concentration or sector exposure may otherwise limit availability.
In some cases, insured receivables can improve advance rates, reduce risk and support stronger funding structures.
Our role
The Aftersales Network Limited works with businesses to assess whether credit insurance is appropriate alongside funding or as a standalone risk management tool.
Where relevant, we introduce suitable providers and ensure alignment between insurance cover and funding structures.
Start a structured discussion
If your business trades on credit terms and you want to protect revenue while supporting funding and growth, we can help assess the most appropriate approach.
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