Trade credit insurance for SMEs: Safeguard against bad debt

Protect your small business from customer insolvency and payment default with SME credit insurance

Secure your small business against payment defaults

4/10 very small businesses report that their company has been put at risk due to customer non-payment. Late payments and unpaid debts can have severe consequences, impacting on cash flow, productivity or growth prospects. Protect the accounts receivables of your small business with credit insurance so you can secure your B2B invoices domestically and overseas.

Receivables collection
Save time and focus on developing your small company: we manage the collection of your receivables domestically and across the globe for you. Optimise your collection rates and maintain your trade relations backed up by our capable teams!
Loss indemnification
Protect your cash flow and preserve your margin with our credit-insurance solution for small businesses. Does the collection process take too long or fails to bring results? No problem! Coface indemnifies your loss.
Invoice coverage
Check what Coface think about your clients’ creditworthiness and cover your sales through our partners. Coface’s opinions are based on our worldwide network of risk experts with their local knowledge about your prospects or customers. They analyse the relevant financial data on companies, sectors and country risks on an ongoing basis so we can alert you to potential risks.
Receivables collection
Save time and focus on developing your small company: we manage the collection of your receivables domestically and across the globe for you. Optimise your collection rates and maintain your trade relations backed up by our capable teams!
Loss indemnification
Protect your cash flow and preserve your margin with our credit-insurance solution for small businesses. Does the collection process take too long or fails to bring results? No problem! Coface indemnifies your loss.
Invoice coverage
Check what Coface think about your clients’ creditworthiness and cover your sales through our partners. Coface’s opinions are based on our worldwide network of risk experts with their local knowledge about your prospects or customers. They analyse the relevant financial data on companies, sectors and country risks on an ongoing basis so we can alert you to potential risks.
Receivables collection
Save time and focus on developing your small company: we manage the collection of your receivables domestically and across the globe for you. Optimise your collection rates and maintain your trade relations backed up by our capable teams!
Loss indemnification
Protect your cash flow and preserve your margin with our credit-insurance solution for small businesses. Does the collection process take too long or fails to bring results? No problem! Coface indemnifies your loss.
Invoice coverage
Check what Coface think about your clients’ creditworthiness and cover your sales through our partners. Coface’s opinions are based on our worldwide network of risk experts with their local knowledge about your prospects or customers. They analyse the relevant financial data on companies, sectors and country risks on an ongoing basis so we can alert you to potential risks.

Interested? Ask for a quote online, and our partner will get back to you straight away - with no obligation.

Ask for a quote

Expand your business fearlessly

Manage your commercial development worry-free: take advantage of our credit opinions and real-time monitoring of your clients’ and prospects’ solvency.

Our credit-insurance solution for small businesses helps give you an even greater competitive edge since it fine-tunes the credit conditions granted to your customers.

Are you looking for new markets? Coface protects your turnover while you explore business opportunities domestically and / or abroad.

Enhance your bank relationships

Guarantee your invoices with our solution and boost your trustworthiness with your financial partners.

Think about it: opting for a credit insurance policy improves your terms for borrowing and helps you access overdraft facilities.

Credit Insurance

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The prevalence of unpaid debts in SMEs
80% of small businesses are faced with unpaid debts. Small businesses are confronted with bad debtors on a regular basis, and have to work extremely hard to ensure their debts are settled.
The impact of unpaid debts on SMEs
25% of small business failures are the result of unpaid debts. Two out of three companies pay their sub-contractors or suppliers late. This is the root cause of nearly a quarter of all bankruptcies of very small businesses.
The significance of customer loans for SMEs
40% of the assets of small businesses are customer loans. Late payments and unpaid invoices represent almost 40% of small business assets. Accounts receivables are a significant burden, which strengthens the case for managing your credit risk properly.
The prevalence of unpaid debts in SMEs
80% of small businesses are faced with unpaid debts. Small businesses are confronted with bad debtors on a regular basis, and have to work extremely hard to ensure their debts are settled.
The impact of unpaid debts on SMEs
25% of small business failures are the result of unpaid debts. Two out of three companies pay their sub-contractors or suppliers late. This is the root cause of nearly a quarter of all bankruptcies of very small businesses.
The significance of customer loans for SMEs
40% of the assets of small businesses are customer loans. Late payments and unpaid invoices represent almost 40% of small business assets. Accounts receivables are a significant burden, which strengthens the case for managing your credit risk properly.
The prevalence of unpaid debts in SMEs
80% of small businesses are faced with unpaid debts. Small businesses are confronted with bad debtors on a regular basis, and have to work extremely hard to ensure their debts are settled.
The impact of unpaid debts on SMEs
25% of small business failures are the result of unpaid debts. Two out of three companies pay their sub-contractors or suppliers late. This is the root cause of nearly a quarter of all bankruptcies of very small businesses.
The significance of customer loans for SMEs
40% of the assets of small businesses are customer loans. Late payments and unpaid invoices represent almost 40% of small business assets. Accounts receivables are a significant burden, which strengthens the case for managing your credit risk properly.

Frequently Asked Questions

The history of failing companies shows that even clients you think you know, and have worked with for a long time, may face financial difficulties and stop settling their invoices. And sometimes it's too late when you find out. That’s why you have to cover your entire client portfolio to reduce this risk. However, turnover with affiliated companies, public companies or individuals is excluded from your policy and, it follows, from your rate base. You tell us about the turnover to be covered domestically and / or abroad when asking for the quote.

We can help you design your trade credit insurance contract together with a wide range of options: it is tailor-made for your business or the structure or governance inside your organisation. We will make sure our solution meets your specific coverage needs

If your client is pleading a commercial dispute to avoid paying you, the collection managers will check that they are not acting in bad faith as a way to conceal their inability to pay. If the dispute is genuine and bona fide, your coverage will not be canceled but the collections will be suspended until you and your customer have resolved the dispute. The guarantee is reactivated once the dispute has been resolved, and the invoice can be indemnified if the customer is unable to settle it.

Global credit insurance solution for multinational companies
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Commercial risk management for multinationals
Mid-market credit insurance solution
Insure your business against unpaid invoices with TradeLiner.
Credit insurance solutions for mid-market trade: Domestic and International
Credit insurance for large companies
TradeLiner credit insurance simplifies customer receivables management for large companies.
Protection against commercial risks for large companies

Trade credit insurance for SMEs: Safeguard against bad debt

Secure your small business against payment defaults

Receivables collection

Loss indemnification

Invoice coverage

Receivables collection

Loss indemnification

Invoice coverage

Receivables collection

Loss indemnification

Invoice coverage

Interested? Ask for a quote online, and our partner will get back to you straight away - with no obligation.

Expand your business fearlessly

Enhance your bank relationships

Credit Insurance

Safeguard your vital assets

The prevalence of unpaid debts in SMEs

The impact of unpaid debts on SMEs

The significance of customer loans for SMEs

The prevalence of unpaid debts in SMEs

The impact of unpaid debts on SMEs

The significance of customer loans for SMEs

The prevalence of unpaid debts in SMEs

The impact of unpaid debts on SMEs

The significance of customer loans for SMEs

Frequently Asked Questions

See also

Global credit insurance solution for multinational companies

Mid-market credit insurance solution

Credit insurance for large companies

Trade credit insurance for SMEs: Safeguard against bad debt

Interested? Ask for a quote online, and our partner will get back to you straight away - with no obligation.

Expand your business fearlessly

Enhance your bank relationships

Credit Insurance

Frequently Asked Questions

Do I need to insure all my invoices? .st0{fill:none;stroke:#1B365D;stroke-width:1.5;}

Is trade credit insurance suitable for my SME? .st0{fill:none;stroke:#1B365D;stroke-width:1.5;}

What happens if there is a dispute about an invoice with one of my clients, will I also be indemnified? .st0{fill:none;stroke:#1B365D;stroke-width:1.5;}

Global credit insurance solution for multinational companies

Mid-market credit insurance solution

Credit insurance for large companies