Credit Insurance

How business credit insurance helps

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

In the event an invoice becomes aged or a customer enters insolvency proceedings, credit insurance companies 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 companies and policies for your business’s requirements.

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Benefits of business credit insurance

  1. Credit insurance safeguards your cash flow in the event a debtor falls insolvent or takes longer than the agreed credit period to pay an invoice
  2. Bad debt 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
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Which credit insurance companies are right for my business?

It is important – but sometimes time-consuming – to identify the most suitable credit insurance companies for your business’s specific requirements.

As an independent commercial finance broker, we can help by:

  • Introducing the most suitable credit insurance companies and policies
  • Saving you time in your search for business credit insurance providers
  • Identifying a policy that’s tailored to your needs
  • Giving you access to key decision makers

To discuss your options with one of our experts, call us on 0800 9774833 or request a call back at a convenient time.

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.

 

Some of the funders we work with

  • Ultimate Finance Group
  • Accelerated Payments
  • Aldermore Invoice Finance
  • Time Finance
  • Barclays
  • Berkeley Trade Finance Ltd
  • Regency Factors
  • Cynergy Business Finance
  • Roma Finance
  • MaxCap
  • Peak Cashflow
  • Nationwide Finance
  • 4Syte
  • Giant
  • IGF Invoice Finance
  • Leumi ABL
  • Metro Bank SME Finance
  • Royal Bank of Scotland
  • Davenham Trade Finance
  • Blazehill Capital
  • ABN AMRO Commercial Finance
  • Team Factors
  • Merchant Money
  • Woodsford Tradebridge
  • Davenham Asset Finance
  • Santander Corporate & Commercial
  • Kriya
  • Lloyds Bank Commercial Finance
  • InvoCap
  • Castlebridge
  • Skipton Business Finance
  • Tradeplus24
  • Clear Factor
  • Close Brothers Invoice Finance
  • Investec
  • Optimum Finance
  • Praetura Invoice Finance
  • Partnership Invoice Finance
  • Sonovate
  • Haydock Finance Ltd
  • Pulse Cashflow Finance
  • eCapital Commercial Finance
  • PNC Business Credit

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