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Credit Insurance: The 80/20 Rule

Does your company trade with a few large customers?  Is the majority of your revenue from only a handful of companies?  If so, you may be exposing  your business to significant financial risks.

A business is considered highly concentrated, for example, when approximately 80% of a company’s sales is generated by 20% of the total customer base. In other highly concentrated […]

Trade Credit Insurance vs. Risk of Self Insuring

Self insuring is the concept that a business sets aside cash to cover losses incurred due to the default of outstanding receivables. In today’s volatile and uncertain economic climate, there is very good reason to not self insure and every reason to protect your company with trade credit insurance. The primary reason one should not self insure is due to […]

Trade Credit Insurance vs. Exim Bank Restrictions

Companies seeking to mitigate their risk on foreign receivables sometimes find themselves having difficulty in differentiating trade credit insurance from the services offered by Exim bank. On the surface, there appears to be little difference in the function of Exim bank compared to private firms offering trade credit insurance. Exim bank was established as the Federal Government’s way of trying to help […]

Credit Insurance: The Time Is Now

We are quickly moving through the year with many questions and uncertainties.

Company bankruptcies are on the rise. Payment default is at an all time high.

For businesses trading on open credit terms, there hasn’t been a better time to protect cash flow from losses due to customer non-payment default.

Accounts receivable are an important component of any company’s balance sheet. Cash […]

Trade Credit Insurance: Improved Bank Financing Terms

Trade Risk Strategies
Companies use trade credit insurance to improve their relationship with their lenders. Domestic and export receivables insured with trade credit insurance can be used as collateral for a loan providing excellent security and comfort to commercial lenders.
Absent of a policy, banking underwriters typically exclude accounts receivable from the borrowing base, particularly excluding receivables that are concentrated in […]