Credit insurance solutions for banks & financial institutions

Build stronger, safer customer relationships

Lend more... without more risks

Banks have an important strategic tool in credit insurance. When you are doing business with companies with credit insurance coverage, banks can be more comfortable lending against those customers’ accounts receivables. This, in turn, creates more opportunities for banks to lend more money to more customers while still managing their own risks effectively.

Any company with B2B credit sales over $4 million can benefit from trade credit insurance, including manufacturers, wholesalers, distributors, service providers, and many others. Companies that are growing their business and sales, involved in export, in need of working capital or have concentration risks are all good prospects for trade credit insurance.

By partnering with Allianz Trade, financial institutions can:

  • Increase the amount of eligible assets against which their client base can borrow by including international receivables, aged receivables and concentrations
  • Become the beneficiary on clients’ policies in the event of any losses to bad debt on receivables
  • Strengthen clients’ financial position by ensuring cash flow and balance sheet stability
  • Establish a deeper relationship with clients by developing consultative business relationships rather than simply being a lender
  • Justify better advance rates and less restrictive covenants with credit underwriters 
  • Prevent disruption to cash flow from slow payment, nonpayment, and insolvencies
  • Reduce the risk of key account concentration levels
  • Expand sales into riskier or new markets with favorable terms
  • Grow with existing accounts and safely offer opn terms to new acounts
  • Provide a structure and discipline for credit decision making
  • Fast data-driven credit decisions on customers, prospects, industries, and countries
  • Borrow against export receivables
  • More capital at reduced rates – take full advantage of A/R reduction in bad debt reserves
Your clients' accounts receivable is one of their largest assets – and one of the most vulnerable. Trade credit insurance from Allianz Trade protects clients from insolvencies, slow payments, and other A/R risks while providing data to help them choose creditworthy customers.

The strength is in the details:

Trade credit insurance is unique in its ability to conform to the specific needs of each business.

Some companies want to cover the entire base of their accounts receivable while others prefer to focus coverage only on certain customer segments. No matter what approach they take, these covered companies represent a lower risk to any bank lending money against the insured receivables.

Clients worldwide
83 Million
Businesses monitored
AA Rating
by Standard & Poor's
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