A Mid-Market Credit Insurance solution for domestic and export trade

TradeLiner, our mid-market credit insurance solution leaves you free to work with your trade partners without worrying about outstanding invoices. It also opens up financing opportunities and means you no longer have to handle debt collection internally.

Our wide range of options means we can design your TradeLiner contract together so that it is tailor-made for your business or the structure or governance inside your organisation - and so that it meets your specific coverage needs. Here are a handful of concrete examples:
 

• Do you manufacture customised products for a specific client? Do you want to prevent the default of an instructing party if the contract is interrupted? The manufacturing risk option protects you against the risk of customer default during the production period and before delivery.
   
• Do you export sales to at-risk countries? The political risk option guarantees your invoices against the risk of non-payment resulting from adverse public or civil events (terrorism, riots, war, restrictive export restrictions, etc.).

1. Assess and monitor your customers’ creditworthiness

Via the CofaNet Essentials portal, view your customer portfolio, request your cover and track changes in their financial situation in real time. This gives you the information you need to make sound business decisions, available 24 hours a day.

2. Entrust us with the recovery of your debts in just one click

In the event of non-payment, submit your claim online: our network of experts immediately takes over to recover the debt, both in [France] and internationally, across 200 countries.

3. Protect your cash flow through compensation

If recovery is not successful within the timeframe specified in the contract, TradeLiner will compensate you for up to 90% of the guaranteed debt, in order to safeguard your cash flow and profit margins. Compensation is paid within 5 months in the event of late payment, or within 1 month in the event of a court-confirmed insolvency.

You can extend your contract with a range of optional cover options to protect against, for example, political risk, natural disasters, manufacturing risk, subsidiaries, consignment sales, cash-on-delivery sales against documents, and advance payments made to suppliers.

TradeLiner therefore enables your business to better manage its customer risk and protect its cash flow.

Credit insurance is a solution designed to secure the future of your business and develop your medium-sized company.
The premium rate for TradeLiner is based on bespoke calculations: it is expressed as a percentage of your insurable turnover and draws on factors such as the business sector to be covered, the geographical area of your customers, the type of coverage required and the selected options.
Companies often underestimate the cost of outstanding invoices… Are you one of them? Are you aware of the impact of the cost of non-payment on the profitability of your company? Use our simulator to estimate the additional turnover you need to offset this loss based on your margins.

If your business-to-business turnover is more than £10,000,000 on the domestic and/or export market, and you want to protect your invoices against the risk of outstanding invoices (due to bankruptcy or late payment by your customers), then the TradeLiner solution for SMEs is perfect for you: it’s a simple, flexible credit insurance policy. It’s also particularly suitable when your contract is backed by financing.

If your client is pleading a commercial dispute to avoid paying you, our collection managers will check that they are not acting in bad faith in order to conceal their inability to pay. If the dispute is real and bona fide, we will simply suspend our collection process while we let you settle the dispute within the context of your customer-supplier relationship. The guarantee is reactivated once the dispute has been resolved, and the invoice can be indemnified if the customer is unable to settle it. 
You can also take out a specific option that includes insurance for disputed claims.

Rest assured: a reduction or withdrawal of a guarantee for your buyer does not affect sales that have already been made and are covered. Goods delivered or services provided whilst the cover was in force remain covered, in accordance with the terms of your contract. The new cover decision applies to future transactions from the date it takes effect. This allows you to retain the cover you have acquired for your previous sales whilst providing a signal to help secure your future transactions.