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Trade Credit Insurance
Protect Your Business Against Bad Debts
One of the biggest assets in any business is its debtor’s ledger. Yet many business owners don’t fully understand the creditworthiness of their clients until it’s too late.
Imagine this: a new client places a large order, and everything looks promising. But what happens if that client can’t pay you?
In today’s market, it’s common for businesses to rely on just one or two major clients who make up the bulk of their receivables. If one of them goes insolvent, it can put your entire business at risk.
We’ve seen real-world cases where businesses have collapsed because of a single unpaid invoice—leading not only to the loss of the business, but also personal bankruptcy for the owners due to supplier guarantees.
This is where Trade Credit Insurance makes a difference.
Take control of your Trade Credit Insurance today.
What is Trade Credit Insurance?
Trade Credit Insurance (also known as Accounts Receivable Insurance) protects your business against the risk of non-payment by your customers. It ensures that if a client defaults or becomes insolvent, your cash flow and business survival are protected.
At Aussie Working Capital, we partner with Australia’s largest credit insurance specialists to give our clients access to both protection and valuable insights. Our partner teams can help you assess customer creditworthiness before you extend credit, helping you avoid unnecessary risks.
Why Choose Trade Credit Insurance?
Safeguard Against Insolvency
Protect your business if a major debtor can’t pay.
Stronger Cash Flow
Maintain liquidity even when customers delay or default.
Access to Credit Insights
Get intelligence on whether a customer is a safe bet before offering credit.
Peace of Mind
Future-proof your business and focus on growth, not risk.
FAQs
Frequently Asked Questions
Trade Credit Insurance (also called Debtor Protection or Accounts Receivable Insurance) is a financial product that covers businesses against losses caused by customers failing to pay invoices due to insolvency, protracted default, or bankruptcy.
If your business relies on large clients or long credit terms, you’re exposed to financial risk. Trade Credit Insurance helps ensure your cash flow continues, even if a major debtor defaults.
Almost any business that sells products or services on credit can benefit, including:
● Manufacturers
● Wholesalers & Distributors
● Exporters
● Construction & Trade Services
● Transport & Logistics Companies
Yes. Many policies can include export credit insurance, protecting you against overseas customer defaults as well.
Premiums are usually a small percentage of your insured turnover, varying based on your industry, debtor profile, and risk exposure. Most businesses find the protection well worth the investment compared to potential losses.
Not necessarily. Most policies are discreet, and your customers don’t need to know unless you disclose it. The insurance is designed to protect you, not them.
Yes. Banks and lenders often view insured receivables as more secure, which can make iteasier for your business to access working capital loans or invoice finance.
At Aussie Working Capital, we’ll connect you with trusted insurance specialists, review your receivables exposure, and find the most suitable policy for your business needs.
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Ready to Boost Your Business?
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