Don't Let Unpaid Invoices
Derail Your Growth.

Secure Your Sales with India's Premier Trade Credit Insurance. The ultimate financial safety net for ambitious manufacturers and traders against bad debts.

Request a Free Risk Assessment

Are You Facing These Sleepless Nights?

The risk of customer non-payment is a constant threat to financial stability and growth.

For the MSME CEO

  • 😟 Worried about a key buyer delaying payments?
  • 💰 Struggling with cash flow for operations?
  • 📈 Hesitant to offer credit to new customers?
  • 🤝 Over-reliant on a few large customers?

For the Large Corporate CFO

  • 📉 Concerned about bad debts impacting the P&L?
  • 🏦 Facing challenges in securing better financing?
  • 🌏 Worried about political risks in export markets?
  • 📊 Need to improve Days Sales Outstanding (DSO)?

Why Credit Risk is a Boardroom Priority Today

Managing credit risk has evolved from a back-office function to a strategic imperative.

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Extended Payment Cycles

Across key sectors, payment cycles have extended, putting significant pressure on working capital.

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Rising Insolvencies

Corporate insolvencies are increasing, making bad debt protection more critical than ever.

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Supply Chain Volatility

Global disruptions are squeezing margins, making the protection of every receivable crucial.

A Flexible Shield for Your Accounts Receivable

Trade Credit Insurance protects your business against losses from unpaid invoices.

1

You Sell

You sell goods/services on credit to your domestic or export customers.

2

We Assess

We analyze the creditworthiness of your buyers.

3

We Insure

We provide a credit limit for each buyer, insuring your receivables.

4

You Get Paid

If a buyer defaults, we pay you 75-90% of the invoice value.

The ₹1 Crore Loss Scenario.

One bad debt doesn't just erase that sale. It erases the profit from 20 good sales.

Without Trade Credit Insurance

Bad Debt: ₹1 crore unpaid invoice

Your Profit Margin: 5%

Additional Sales Needed: ₹20 crores just to compensate for this one loss

Impact: Weakened balance sheet, reduced investment power, potential funding issues

With Trade Credit Insurance

Bad Debt: ₹1 crore unpaid invoice

Insurance Coverage: 90%

You Receive: ₹90 lakhs indemnification

Impact: Cash flow protected, business continuity maintained, minimal disruption

The Critical Question: Can your business survive a ₹1 crore write-off? Or would you rather pay a small premium for protection?

Benchmarking Your Bad Debt Protection Options

A prudent financial strategy involves evaluating all available tools.

Risk Mitigation Tool Sales Enablement Balance Sheet Impact Cost & Admin Burden
Trade Credit Insurance High Positive Efficient
Letters of Credit (LCs) Low Neutral High
Factoring Medium Neutral to Negative High
Self-Insurance (Bad Debt Provision) None Negative Unpredictable

More Than a Policy: A Partnership in Growth

We don't just sell policies; we build strategic partnerships to foster resilient growth.

🤝

Consultative Onboarding

We begin with a comprehensive review of your portfolio to design a program that aligns with your risk appetite and strategic goals.

🔍

Proactive Intelligence

We provide real-time intelligence on your buyers' changing creditworthiness, allowing you to get ahead of potential issues.

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Dedicated Support

From claims to credit assessment, you have a dedicated team of experts ready to support your business.

Which Industries Benefit Most?

Manufacturing

Protect large B2B sales to domestic and international customers

Export Businesses

Cover political and commercial risks when selling internationally

Textiles & Apparel

Manage risk across multiple buyers with varying creditworthiness

Chemicals & Pharma

Secure large-value transactions with extended payment terms

IT & Services

Protect service receivables and maintain cash flow predictability

Food & Beverages

Safeguard against buyer defaults in fast-moving supply chains

India's Trade Credit Insurance Market is Booming

₹7,560 Cr
Market by 2030

₹7,560 crores projected market size

13.2%
Annual Growth

CAGR from 2024 to 2030

70%
SME Employment

SMEs contribute 40% of industrial output

90%
Coverage Available

Up to 90% of invoice value protected

Our Commitment to Your Financial Security

Built on a foundation of expertise, transparency, and partnership.

ISO 9001

Certified for Quality Management Systems

ISO 27001

Certified for Information Security Management

Your Questions. Answered.

What percentage of my invoice does trade credit insurance cover?

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Typically 75-90% of the invoice value. You retain 10-25% as a deductible, which ensures you remain selective about your buyers and maintain credit discipline.

Does it cover domestic sales or only exports?

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Both. Trade credit insurance covers domestic B2B sales as well as international exports. For exports, you get additional coverage for political risks like currency inconvertibility and import license cancellation.

Can I insure just specific high-risk buyers?

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Yes. You can choose single buyer coverage for specific high-risk customers or whole turnover coverage for your entire buyer portfolio. Whole turnover policies are more common and typically more cost-effective.

How quickly can I file a claim?

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For protracted default, claims can typically be filed 60-180 days past the due date (depending on policy terms). For insolvency/bankruptcy, claims can be filed immediately after the insolvency event is confirmed.

Does the insurer help with collections?

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Yes. Once you file a claim, the insurer takes over the collection process. They have specialized teams and global networks to recover dues—even across borders. This frees you from the burden of chasing payments.

Will this help me get better bank financing?

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Absolutely. Insured receivables are considered higher-quality collateral by banks and financial institutions. Many businesses report accessing credit lines at 1-2% lower interest rates with insured receivables.

What's excluded from coverage?

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Sales to government bodies (unless specifically agreed), disputes about quality or delivery, buyers under your control or related parties, and amounts owed due to contractual penalties or damages are typically excluded.

Ready to Turn Your Receivables
Into a Strategic Asset?

Contact us today for a no-obligation risk assessment and discover how we can help secure your business.

Or call us directly at +91 7559 755 957