Lend more... without more risks

Banks have an important strategic tool in credit insurance. When you are doing business with companies with credit insurance coverage, banks can be more comfortable lending against those customers’ accounts receivables. This, in turn, creates more opportunities for banks to lend more money to more customers while still managing their own risks effectively.

Any company with B2B credit sales over $4 million can benefit from trade credit insurance, including manufacturers, wholesalers, distributors, service providers, and many others. Companies that are growing their business and sales, involved in export, in need of working capital or have concentration risks are all good prospects for trade credit insurance.

By partnering with Euler Hermes, financial institutions can:

Increase the amount of eligible assets against which their client base can borrow by including international receivables, aged receivables and concentrations
Become the beneficiary on clients’ policies in the event of any losses to bad debt on receivables
Strengthen clients’ financial position by ensuring cash flow and balance sheet stability
Establish a deeper relationship with clients by developing consultative business relationships rather than simply being a lender
Justify better advance rates and less restrictive covenants with credit underwriters

Benefits for your clients and their business

Cash Flow & Loss Protection

Prevent disruption to cash flow from slow payment, nonpayment, and insolvencies
Reduce the risk of key account concentration levels

Grow Sales with Confidence

Expand sales into riskier or new markets with favorable terms
Grow with existing accounts and safely offer opn terms to new acounts

Efficient Credit Processes

Provide a structure and discipline for credit decision making
Fast data-driven credit decisions on customers, prospects, industries, and countries

Enhanced Bank Financing

Borrow against export receivables
More capital at reduced rates – take full advantage of A/R reduction in bad debt reserves

How it works

Your clients' accounts receivable is one of their largest assets – and one of the most vulnerable. Trade credit insurance from Euler Hermes protects clients from insolvencies, slow payments, and other A/R risks while providing data to help them choose creditworthy customers.

The strength is in the details:

Trade credit insurance is unique in its ability to conform to the specific needs of each business.

Some companies want to cover the entire base of their accounts receivable while others prefer to focus coverage only on certain customer segments. No matter what approach they take, these covered companies represent a lower risk to any bank lending money against the insured receivables.

RECOMMENDED RESOURCE

All Things Credit Insurance, All in One Place

In The Guide to Credit Insurance, you'll learn how trade credit insurance works, common use cases, how to choose a carrier, and more.

Download Your Copy

Why Euler Hermes?

Dedication

55,000+
Clients worldwide

Insights

85 Million
Businesses monitored

Assurance

AA Rating
by Standard & Poor's

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At Euler Hermes we value your time and will try to respond to your enquiry on the same working day. Some questions may take a little longer to answer, but we aim to provide you with a response within 3 working days.

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Credit Insurance Solutions for Banks & Financial Institutions