Are you looking to expand your business into a market you’re not very familiar with? Are you worried about a customer defaulting on payment? Or do you simply want to secure financing for a customer receivable? We provide you with expert advice and the clarity you need to choose the credit insurance that best suits your business and your credit management strategy. Our role: to protect your bottom line so you can grow your business.

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Growing your business requires listening to your customers’ needs on a daily basis, and offering payment terms is essential. By waiting 30 or 60 days—and sometimes much longer—you run the risk of, at best, late payments and, at worst, non-payment if the debtor defaults. This can threaten your cash flow and negatively impact your company’s bottom line.

In addition to the methods and tools already in place at your company, credit insurance allows you to grow your business with peace of mind by providing services that cover the entire process from invoicing to payment:

• Protect yourself against the risk of customer non-payment;
• Analyze and monitor the financial situation of your clients and prospects to support your sales strategy;
• Support your teams in the event of late payments by taking the most effective actions and following the most effective procedures;
• Receive compensation in the event of a customer’s failure to pay, whether due to presumed insolvency (late payment) or official insolvency (judicial reorganization, judicial liquidation, or safeguard proceedings), to protect your profit margins.

Through a comprehensive analysis of your company’s accounts receivable (key ratios, customer segments, accounts receivable balance, aging report, etc.), we provide you with insight into the actual creditworthiness of your current and prospective customers and assess your risk exposure.

Our knowledge of the credit insurance and factoring markets enables us to design customized credit insurance solutions and select the insurer best suited to address your business challenges. On a day-to-day basis, our market influence allows us to push the boundaries of credit insurance coverage and secure credit lines for debtors—even those considered high-risk.

What elements are necessary for a study?

• Your Top 20 Customers: Analyze Their Creditworthiness and Assess Coverage,
• Analyzing customer losses and uncollectible accounts to adjust the proposal,
• Your current credit insurance policy, if you are already insured, to review your coverage and ensure an accurate comparison.

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Given the current context surrounding the COVID-19 crisis and the exceptional financial situation we are facing, insurers are implementing the emergency plan through the CAP/CAP+ France and CAP/CAP+ France & Export programs.

This program, which is designed to support supplier credit, supplements your credit insurance policy and provides you with additional coverage for France and international markets.

To ensure the continuity of our high-quality service and support, we invite you to use our tool to calculate the cost of your CAP.

Calculate the Cost of the CAP

To ensure you receive adequate compensation in the event of a customer default and to take full advantage of all the coverage and services included in your credit insurance policy (debt collection assistance, analysis and monitoring of your customers’ creditworthiness, etc.), we train your teams at your offices as soon as the policy takes effect.

Claims reporting, premium payments, obligations, use of the company’s extranet… we cover all the topics that will help you optimize your credit insurance in collaboration with your accounting, finance, credit management, sales, and export teams—for service that makes a difference.

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