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Accounts receivable insurance
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Cash flow challenge: I want to protect my business from unpaid customer invoices.
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Perfect for: B2B businesses who want to reduce the risk of bad debt, expand confidently into new markets, or improve cash flow forecasting.
Accounts receivable insurance helps protect your business against non-payment. If a customer fails to pay their invoice, your cash flow doesn’t take the hit.
We compare providers, help you apply, and make sure you get the right deal for you needs.
Related funding options
Pages in this SectionWhat is accounts receivable insurance?
Accounts receivable insurance (sometimes known as AR insurance or receivables cover) helps protect your business from unpaid customer invoices - whether due to insolvency, protracted default, or other financial issues.
By insuring your receivables, you can maintain steady cash flow even when payments don’t arrive and make confident decisions about credit limits, customer relationships and growth.
How accounts receivable insurance works with Novuna Business Cash Flow
We take the time to understand your business, customers, and risk tolerance then recommend the most appropriate AR insurance solution:
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Tell us about your business, customers, and key risks
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We compare providers and recommend a great fit for your situation
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You apply with full support from our cash flow experts
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Once approved, you’ll be covered for unpaid invoices in line with your policy terms
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is accounts receivable insurance right for you?
You’re dealing with long payment terms or large customer accounts
Protects your cash flow from the risks of late or missed payments.
You’re expanding and unsure about the creditworthiness of new clients
Reduces uncertainty when taking on unfamiliar or higher-risk customers.
You’ve been hit by bad debt in the past and want to avoid repeat issues
Shields your business from the financial impact of non-payment.
If that sounds like your business, we’ll help you compare protection options and find the right fit.
Novuna can support businesses with a range of cash flow protection options
I want cover for specific large invoices
I want protection against non-payment and customer insolvency
I want to protect my entire debtor book
I want advice and tools to manage cash flow more proactively
I want to safeguard my business from financial losses
Back to all business cash flow solutions
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you a great deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises – just honest advice with no hidden fees.
Receive funding fast
Get access to finance quickly so you can focus on your business.
Why take action now
Don’t let a cash flow pinch stop your business
Reduce the risk of bad debt and late payments before they damage your cash flow
Protect your growth plans against unexpected client defaults
Get confidence to extend payment terms to key customers without increasing risk
Why choose Novuna Business Cash Flow?
Why businesses trust us for fast funding
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What accounts receivable protection looks like in your industry
Advice tailored to your sector:
What’s the difference between accounts receivable insurance and trade credit insurance?
The terms are often used interchangeably. Technically, trade credit insurance usually refers to broader whole book or export cover, while AR insurance may focus on specific domestic receivables. However, the core aim is the same which is to protect your business from customer non-payment.
How does accounts receivable insurance work?
You insure your invoices or customer accounts against default. If a customer fails to pay due to insolvency or prolonged non-payment, the insurer compensates you for a percentage of the outstanding balance usually up to 90–95%.
How quickly can I access funding?
Many debt finance products can be arranged within 24–72 hours, depending on the product and application details.
What does accounts receivable insurance cover?
- Insolvency or bankruptcy of customers
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Protracted default or non-payment
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Political or economic risks (for exporters)
- Bad debt loss that affects cash flow
What are the benefits of accounts receivable insurance?
- Protect cash flow and reduce bad debt exposure
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Trade with confidence with new or large clients
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Secure better lending terms using insured receivables
- Strengthen financial stability during uncertain markets
Is accounts receivable insurance the same as trade credit insurance?
Yes, the two terms are often used interchangeably. Both provide protection against unpaid invoices, but “accounts receivable insurance” focuses on individual receivables, while “trade credit insurance” may cover your full customer portfolio.
