Trade credit insurance

  • Cash flow challenge: I want to protect my business against customer insolvency or widespread late payments.

  • Perfect for: Businesses that invoice multiple clients and want protection across their full sales ledger.

Trade credit insurance protects your business against bad debt by insuring your customer accounts. If a client becomes insolvent or fails to pay, you’ll receive compensation meaning your cash flow stays protected.

We’ll help you compare the UK’s most trusted providers and get the right level of protection for your trading risk.

Compare providers Speak to an expert

What is trade credit insurance?

Trade credit insurance is a policy that protects your business from financial loss if a customer fails to pay you for goods or services.


Unlike invoice insurance which covers individual invoices, trade credit insurance covers your whole customer ledger. If a client goes bust or defaults, you’ll be paid by your insurer, giving you the confidence to trade and grow with less risk.

How it works with Novuna Business Cash Flow

  1. We review your customer base, average invoice size and exposure

  2. We compare trusted UK providers based on your business needs

  3. You apply for the most suitable policy - with full support from our experts

  4. Once approved, your sales ledger will be insured for non-payment or insolvency

Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.



Is trade credit insurance right for you?

You offer credit terms and are exposed to late or missed payments

Protects your business from non-payment risks across multiple customers.

You’re concerned about customers becoming insolvent

Provides cover if a client can’t pay due to bankruptcy or liquidation.

You need insurance to meet internal or investor requirements

Helps satisfy risk management standards for stakeholders and financiers.

If that sounds like your business, we’ll help you compare insurers and find the best deal.

Compare providers Speak to an expert


Novuna can support businesses with a range of protection options

I want protection for one or two high-value invoices

I want simple protection for a small client book

I want cover for ongoing client accounts or contracts

I want forecasting tools and templates to plan ahead


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 the best 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

  • Over 40 years of experience in business finance

  • Access to multiple funding partners - not just our own products

  • Personal support from real cash flow experts

  • Transparent advice based on what’s best for your business


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 reviews

We're a multi-award winning business cash flow specialist


What trade credit protection looks like in your industry

Get tailored advice to the challenges in your industry

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FAQs


We compare a range of trade credit insurance providers to help you protect your revenue

Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.

Complete the form below to compare and save with Novuna Business Cash Flow:

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