Trust in Every Trade
Atlantic helps businesses and lenders use Trade Credit Insurance to protect receivables from buyer default, improve liquidity, manage risk, and confidently expand credit and sales globally.
Overview
Trade credit insurance is a financial risk management tool that protects businesses and their lenders against the possibility of non-payment by their buyers—whether due to insolvency, protracted default, or political risks. By covering accounts receivable, companies and financial institutions can safely expand credit to customers, enter new markets with greater confidence, and increase financing by improving receivables quality.
Our trade credit team specializes in advising corporates, lenders, and structured finance participants on how to strategically deploy credit insurance to unlock liquidity, manage buyer concentration risk, and support global sales growth. With extensive experience in trade credit, trade finance, underwriting, and structuring, we work closely with clients to tailor policies that address both operational and financing needs, whether for balance sheet protection or as an enabler of receivable-based borrowing.
Benefits
Trade credit insurance provides multiple benefits to businesses, including:
Improving financing conditions by transferring the risk of accounts receivables default to a highly rated Credit Insurance Company
Insured receivables may qualify for a higher advance rate from lenders due to their improved credit quality
Enabling insured export receivables to be included in financing facilities
Allowing high-concentration receivables (e.g. large buyers or industry clusters) to be included in borrowing base calculations
Insulating companies from unexpected customer defaults which may negatively impact results while at the same time lowering bad debt reserves
Enabling companies to offer competitive terms to buyers without increasing exposure
Increasing exposure to existing accounts and selling to new customers without increasing the risk of a loss
Facilitating confident expansion into higher-risk or emerging markets
Providing credit risk evaluation and monitoring and gain leverage over problem accounts by using underwriter's market position and resources
