Protect Your Business with Trade Credit Insurance
Mitigate risk and safeguard your cash flow with PulseFX's trade credit insurance solutions (provided through a partnership with Swoop Funding and Zensurance). Stay covered against customer defaults and non-payment while expanding your global reach.
What is Trade Credit Insurance?
Trade credit insurance protects your business from the financial risks of customer non-payment, whether due to insolvency or default. It ensures that you’re paid for goods or services provided, even if your customers are unable to meet their financial obligations.
PulseFX provides solutions made to safeguard your international transactions and maintain smooth cash flow.
How to Use Trade Credit Insurance?
Trade credit insurance helps you manage the risk of non-payment from your customers. By utilizing this service, you can protect your business from bad debts and ensure steady cash flow.
You can apply the coverage to specific customers or entire portfolios, allowing you to focus on growth without worrying about payment delays or defaults.
With a custom approach, PulseFX tailors your insurance plan to cover the most significant risks in your trade relationships.
Why Does it Matter for Your Business?
To fuel growth, many companies offer clients the flexibility to buy now and pay later — a practice known as trade credit. While this can open the door to new business, it also introduces significant risk.
Missed payments can result from a variety of factors — insolvency, insufficient funds, or bankruptcy. However, companies doing business across borders are especially vulnerable due to global influences. International economic and political instability can suddenly impair a client’s ability to pay, putting your revenue at risk.
Strategic Advantage of Trade Credit Insurance
Who Should Use Trade Credit Insurance?
CFOs
Oversee financial stability and need to mitigate risks related to client defaults and payment delays.
Founders
Protect their business interests and ensure cash flow stability as they expand into new markets.
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Finance Teams
Ensure that financial exposure is minimized, supporting better cash flow management and forecasting.
How to Set Up Trade Credit Insurance?
Setting up trade credit insurance with PulseFX is straightforward, ensuring your business is protected from customer defaults and payment delays.
Submit your business information and documentation so our insurance partner can get you verified and matched with a dedicated insurance specialist who will guide you through the process.
Work with your insurance specialist to set the terms that align with your business's needs and the level of coverage you want.
Identify the customers and regions you want to insure, ensuring your policy is tailored to your risk exposure.
Once your policy is in place, you can focus on growing your business, knowing you're covered against payment defaults and financial risks.
Protect Your Business from Unforeseen Risks Today
Take the next step in securing your business. Start now and minimize potential financial disruptions.
FAQs
Find answers to your most pressing questions about our services and processes.
PulseFX does not directly provide trade credit insurance, but we’ve partnered with Swoop Funding and Zensurance to give you access to a broad range of trade credit insurance solutions. These partners operate as marketplaces, connecting you with leading insurance providers. Once you submit an application, you’ll be introduced directly to the insurer, who will then handle the setup and management of your policy.
We collaborate with our partners to deliver straightforward, side-by-side comparisons that help you make informed decisions about financial products and services. Our goal is to simplify the process by working only with top-tier finance and insurance providers — so you can feel confident in the choices you make.
Any business that sells goods or services on credit to other businesses can benefit — whether you’re a small business, large enterprise, exporter, or e-commerce company.
Yes. Even reliable customers can face unexpected financial challenges. Ongoing evaluation of their creditworthiness is critical — trade credit insurance helps you manage this risk effectively.
Yes. Many providers in our marketplace support multi-year contracts and long-term transactions. Each situation is reviewed individually to determine the best coverage approach.
If a customer receives a zero credit limit, you may still choose to extend credit. However, any resulting non-payment would not be covered by the policy — a risk that should be carefully considered.
Premiums depend on your company’s size, sector, customer base, and coverage amount. Typically, trade credit insurance costs a small percentage of annual turnover — for example, covering $2 million in sales might cost under $10,000 per year.
Setup timelines vary by business complexity. Some policies can be activated within days, while more tailored solutions may take several weeks.
Setup timelines vary by business complexity. Some policies can be activated within days, while more tailored solutions may take several weeks.
Trade credit insurance protects your receivables from the risk of non-payment. Factoring involves selling those receivables for immediate cash. Both can be used together to improve liquidity and manage risk.
Yes:
Small Businesses: Simple, low-maintenance policies designed for ease of use.
Medium to Large Businesses: Flexible, scalable solutions for growing needs.
Multinational Corporations: Advanced programs designed to support complex operations and global trade.