Credit Insurance

What is Business Credit Insurance?

Credit insurance protects businesses against the risks of bad debt by safeguarding your cash flow against debtor insolvency or protracted default.

In the event an invoice becomes aged or a customer enters insolvency proceedings, the credit insurance company will ensure that you get paid for any goods or services you have supplied, subject to a designated credit limit.

Whilst facilities can be provided by credit insurance companies as a standalone product, bad debt protection can also be incorporated into an invoice finance facility, which will additionally advance up to 90% of an invoice’s value within 24 hours of its issue.

As a specialist commercial finance broker, Hilton-Baird Financial Solutions can introduce the most suitable credit insurance solution for your business’s requirements.

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Benefits of business credit insurance

  1. Safeguards your cash flow in the event a debtor falls insolvent or takes longer than the agreed credit period to pay an invoice
  2. Protection can be provided against your entire debtor book, key customers or just single debtors that may have an adverse credit history
  3. May help you to negotiate favourable terms with suppliers as policies will reduce the impact of a bad debt on them, too
  4. Can protect against the risk of overseas trade
  5. Available as part of a non-recourse invoice finance facility, or as a standalone product

Which credit insurance company is right for my business?

Finding the right credit insurance company for your business’s particular needs can be both time-consuming and confusing.

As an independent commercial finance broker, we will:

  • Save you time in your search for business credit insurance
  • Help you find a solution tailored to your needs
  • Give you access to key decision makers
  • Help introduce you to the most suitable facility and insurer

To discuss your options with one of our consultants, call us on 0800 9774833 or email info@hiltonbaird.co.uk.

Our experience with Hilton-Baird was extremely pleasant. They were excellent and professional and have followed up throughout to ensure we were happy with every aspect of the service. I’m pleased we now have a facility in place that will afford us the flexibility to really crack on.

Steve Fisher, Managing Director, Protouch UK

Some of the funders we work with

  • PNC Business Credit
  • Team Factors
  • IGF Invoice Finance
  • Lloyds Bank Commercial Finance
  • ABN AMRO Commercial Finance
  • Assetz Capital
  • Everline
  • iwoca
  • GapCap Cashflow Finance
  • Davenham Asset Finance
  • 1pm
  • Skipton Business Finance
  • Close Brothers Invoice Finance
  • Henry Howard Cashflow Finance
  • Regency Factors
  • Ultimate Finance Group
  • Metro Bank SME Finance
  • Market Invoice
  • Nucleus Commercial Finance
  • Investec
  • Leumi ABL
  • Outsauce
  • Spotcap
  • Trade Finance Partners
  • Catalyst Finance
  • Innovation Finance
  • Davenham Trade Finance
  • Barclays
  • Creative Capital
  • Positive Cashflow Finance
  • Santander Corporate & Commercial
  • Roma Finance
  • Shawbrook Business Credit
  • Platform Black
  • Pulse Cashflow Finance
  • Bibby Financial Services
  • Partnership Invoice Finance
  • InvoCap
  • Ashley Commercial Finance
  • Aldermore Invoice Finance
  • Secure Trust Bank
  • Calverton Finance
  • Working Capital Partners
  • Asset Advantage
  • Royal Bank of Scotland
  • Woodsford Tradebridge

Authorised and regulated by the Financial Conduct Authority (FCA number 730445)
We are a credit broker and not a lender and offer credit facilities from a panel of lenders

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