SME trade credit insurance: protection against bad debt for small businesses

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

Protect your accounts receivables with trade credit insurance for small businesses

4 out of 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 business-to-business invoices domestically and overseas.

Indemnify your losses
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 compensates you for the loss suffered by up to 90%.
Cover your invoices
Check what Coface thinks about your clients' creditworthiness and cover your sales. Coface’s opinions are based on our worldwide network of risk experts and 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.
Collect your receivables
Save time and focus on growing your business: we manage the collection of your receivables domestically and globally for you. Optimise your collection rates and maintain your trade relations backed up by our team of experts!

Interested? Ask for a quote online, and we’ll get back to you straight away - with no obligation.

Request a call back

Grow your business in complete confidence

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 or abroad.

Become a good customer for your bank

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 - Request a quote today

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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.
25% of small business failures are the result of unpaid debts
Two out of three companies pay their subcontractors or suppliers late. This is the root cause of nearly a quarter of all bankruptcies of very small businesses.
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 your rate base. You tell us about the turnover to be covered domestically or abroad when asking for the quote.

We have a full range of options so we can design your trade credit insurance contract together. 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, our 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 cancelled but our 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.

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Mid-market credit insurance solution
Insure your business against unpaid invoices with TradeLiner.
A Mid-Market Credit Insurance solution for domestic and export trade
Trade Credit Insurance for large companies
TradeLiner credit insurance simplifies customer receivables management for large companies.
Protection against commercial risks for large companies

SME trade credit insurance: protection against bad debt for small businesses

Protect your accounts receivables with trade credit insurance for small businesses

Indemnify your losses

Cover your invoices

Collect your receivables

Interested? Ask for a quote online, and we’ll get back to you straight away - with no obligation.

Grow your business in complete confidence

Become a good customer for your bank

Credit Insurance - Request a quote today

Protect your most crucial asset

80% of small businesses are faced with unpaid debts

25% of small business failures are the result of unpaid debts

40% of the assets of small businesses are customer loans

Frequently Asked Questions

See also

Global credit insurance solution for multinational companies

Mid-market credit insurance solution

Trade Credit Insurance for large companies

SME trade credit insurance: protection against bad debt for small businesses

Indemnify your losses

Cover your invoices

Collect your receivables

Interested? Ask for a quote online, and we’ll get back to you straight away - with no obligation.

Grow your business in complete confidence

Become a good customer for your bank

Credit Insurance - Request a quote today

80% of small businesses are faced with unpaid debts

25% of small business failures are the result of unpaid debts

40% of the assets of small businesses are customer loans

Frequently Asked Questions

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

My company is a very small business: Is trade credit insurance a suitable solution? .st0{fill:none;stroke:#1B365D;stroke-width:1.5;}

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

Trade Credit Insurance for large companies