Trade credit insurance is not limited to covering customer risk. It protects your margins, stabilises your cash flow and strengthens your company’s financial solidity.
By securing your trade receivables, you turn a risk into a controlled asset and create the conditions for smoother financing.
Fibus supports you in structuring tailor-made trade credit insurance programmes, in France and internationally.
+1,650 companies supported | 42 countries covered | 20 years of expertise
Secure your revenue against customer defaults.
Trade credit insurance indemnifies you in the event of insolvency or non-payment and allows you to anticipate deteriorations in your debtors’ creditworthiness.
It enables you to:
• Cover unpaid invoices linked to bankruptcy or insolvency
• Manage extended payment delays
• Benefit from continuous monitoring of your customers
• Protect your margins and operating profit
• Stabilise your cash flows
→ Your customer risk becomes measurable, controlled and insurable.
A secured receivables portfolio reassures your financial partners.
Trade credit insurance improves how banks and factors perceive risk and facilitates access to financing.
It enables you to:
• Obtain higher factoring lines
• Improve financing conditions
• Reduce the need for additional collateral
• Optimise working capital management
• Secure financial ratios in LBO environments or under covenants
→ A covered risk becomes a financing lever.
Beyond protection against unpaid invoices, trade credit insurance becomes a strategic management tool. It strengthens financial solidity, facilitates financing and supports receivables performance, both in France and internationally.
Protect your margins and secure your cash collections.
• Prevention and analysis of insolvency risk
• Fast indemnification in the event of default
• Out-of-court or legal debt recovery handled
• Proactive protection of margins and cash flow
• Compliance and regulatory risk management
An evolving cover that adapts to your business.
• Tailored solutions
• Adjusted to seasonality and activity fluctuations
• Renewable on an annual basis
A cost-effective solution aligned with your risk profile.
• On average 0.15% of insurable turnover
• Pricing adjusted according to claims experience
• Positive impact on financing conditions and credit rating
Turn customer risk management into a performance driver.
• Objectify risk and customer relationships
• Reduce unpaid invoices and improve credit discipline
• Optimise the cost of risk
• Save time for Finance and Credit teams
• Improve visibility on commercial performance
• Support expansion into new markets in France and internationally
Strengthen your access to credit and your financing capacity.
• Improved access to bank or factoring financing
• Increased factoring capacity
• Better visibility on guaranteed exposures and outstanding risks
• Easier arbitration and dialogue with financial partners
For over 20 years, Fibus has supported finance departments in structuring and optimising their trade credit insurance programmes, in France and internationally.
Trade credit insurance is a powerful tool for securing receivables, but its effectiveness largely depends on how it is structured, negotiated and managed over time.
At Fibus, our teams combine deep expertise in the credit insurance market, strong knowledge of international insurers, and a structured approach that allows each programme to be tailored to the company’s priorities: growth, international expansion, private equity operations or transformation.
We support our clients at every stage: analysis of the customer portfolio, negotiation of guarantees and contractual terms, optimisation of cover, and ongoing management of the programme.
Since its creation, Fibus has supported more than 1,650 companies in securing their receivables and structuring their financing.
