Home Fibus Expertise Advisory and brokerage in Credit insurance

Fibus Trade: securing your risks and optimising your financing

For over 20 years, Fibus has supported finance departments and investment funds in credit insurance.

As an independent specialist, Fibus helps companies secure their growth, manage customer risk, and optimise financing backed by trade receivables.

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Illustration maitriser son risque clients

Credit insurance at Fibus: Risk management and Financing support

Credit insurance is a key tool for managing customer risk, helping secure your outstanding receivables and protect your cash flow.

Credit insurance is not limited to risk management.
When properly structured, it becomes a direct lever for improving your financing capacity.

Fibus combines recognised expertise in both credit insurance and factoring to align coverage with financing and maximise your credit lines.

Optimisation of guarantees to increase financing capacity
Implementation of delegated insurance structures
Reduction of uncovered risk areas
Improvement of financing rates

The Fibus approach to credit insurance

Fibus supports finance departments and investment funds with an approach that goes far beyond traditional brokerage.

Technical expertise, international reach, and a strong understanding of receivables financing challenges form the three pillars of every assignment, regardless of programme size or risk complexity.

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1. Measurable results

From portfolio audits to continuous optimisation of guarantees, the Fibus methodology turns customer risk management into a driver of financial performance.

• In-depth audit of the customer portfolio
• Recommendations and negotiation of contractual clauses
• Monitoring of credit decisions and claims support

• Reporting and monitoring via our digital solution Sapio
• 5,000 credit decisions processed each year
• +20% to +25% increase in financing obtained through structured follow-ups
• Up to +30 coverage points gained on sensitive accounts

2. An international DNA

Positioned internationally since its creation in 2005, Fibus structures credit insurance programmes on a global scale, managed from Europe.

• 60% of credit insurance revenue generated internationally in 2025
• 7 offices across France, Germany, the United Kingdom, and the United States
• 5 languages spoken daily

3. Dual expertise in risk and financing

Fibus is the only player in Europe to combine credit risk protection and receivables financing expertise within the same team.

• Teams trained within leading credit insurers
• Close collaboration between credit insurance and factoring specialists
• End-to-end support: audit, negotiation, credit decisions, and reporting

• €18bn+ in guarantees under management in 2025
• +10% to +12% increase in financing obtained on factoring programmes with delegated credit insurance

Customer risk is no longer managed the way it used to be.

With European corporate defaults at their highest level in ten years, increasingly selective insurers, and stricter underwriting decisions without notice, finance teams are facing a more complex environment:
companies actively managing their credit insurance with Fibus achieve up to 30 additional coverage points and secure 10% to 12% higher receivables financing capacity.

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A structured approach to sustainably manage your credit insurance

Three steps. One credit insurance programme precisely sized, negotiated, and managed over time.

Each assignment follows the same structured methodology, consistently delivering better conditions than those obtained through direct negotiations.

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You receive a complete diagnostic of your receivables portfolio and a ready-to-use tender specification, without mobilising your internal teams.

Definition of the objectives the credit insurance must address
Analysis of the accounts receivable and assessment of coverage needs
Review of the company’s specific credit management process
Recommendations on suitable insurance structures
Preparation of a structured request-for-proposal (RFP) document

You benefit from a rebalanced policy (clauses, coverage levels, self-arbitration, etc.) negotiated across the entire market, along with operational support through to effective implementation.

Market benchmarking and comparison of offers
Negotiation of contractual clauses: indemnity rates, non-designation clauses, self-arbitration, investigation fee packages, bonus clauses, etc.
Recommendations and decision-support
Contract review and validation
Operational support during the implementation of the selected policy

You benefit from structured monitoring (KPIs, credit decisions, claims management) without having to coordinate the insurer, credit teams, and reporting yourself.

Daily monitoring of credit decisions and proactive alerts on emerging risks
Team training and operational support: claims handling, advisory support, arbitration assistance, etc.
Performance review meetings: acceptance rates, satisfaction levels, and key indicators
Contract extension, renewal, or renegotiation based on business evolution

The commitment of Fibus teams in managing your credit insurance

A tailored, proactive, and structured support approach to secure the day-to-day management of customer risk.

Our teams

A tailored service

• Highly adaptable teams with a deep understanding of your internal processes
• Proactive contacts who streamline interactions with insurers and anticipate potential bottlenecks

Guaranteed continuity of service

• Consideration of business seasonality, including peak activity periods (year-end, product launches)
• Strengthened credit decision meetings during critical periods and uninterrupted service during holiday periods

Proactive risk monitoring

• Active monitoring of insured customers with alerts on high-risk situations
• Rapid adaptation to portfolio changes and dedicated tracking of sensitive accounts (> €500k)

Centralised and multidisciplinary expertise

• A Key Account Manager acting as a single point of contact for a multidisciplinary team covering all aspects of the contract
• Independent management enabling optimisation of terms and anticipation of programme developments

Strong insurance credit partners

A credit insurance broker does not cost more

Our remuneration is covered by insurers under a business referral agreement.

We do not charge fees or time-based billing.

Working with an expert broker therefore allows you to benefit from specialised support at no additional cost, while optimising the terms of your programme.

Using Fibus does not cost more.
It mainly allows you to make better decisions.

The cost of credit insurance

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