9 February 2026
For UK funding brokers, one of the most common obstacles to completing a deal is not cashflow performance, but debtor risk.
Concentration limits, large single buyers, overseas debtors, or perceived sector risk frequently restrict advance rates or prevent facilities from proceeding. Trade Credit Insurance (TCI) can be a highly effective solution.
At its core, TCI transfers the risk of customer non-payment from the funder to an Insurer. By insuring receivables, lenders gain greater confidence in the quality of the debtor book, often enabling higher advance rates, improved concentration limits, and increased funding capacity. In many cases, insurance can turn a marginal or declined opportunity into a bankable proposition.
From a credit committee perspective, insured receivables provide an additional layer of independent credit assessment and protection. This is particularly valuable where a business relies on a small number of buyers, trades internationally, or operates in sectors experiencing volatility.
This is where Verlingue adds real value. As specialist trade credit insurance brokers, Verlingue works closely with funders and brokers to structure policies that align precisely with lending requirements.
From Insurer selection and credit limit strategy, to policy wording and Loss Payee arrangements, Verlingue ensures insurance supports the funding outcome - not hinders it. Introduced early and structured correctly, trade credit insurance becomes a powerful deal enabler, helping brokers place more deals and unlock growth for their clients.
This article is for general information purposes only and does not constitute advice. Trade credit insurance is subject to insurer underwriting, policy terms, conditions, limits and exclusions.
