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Secure my receivables

Trade Credit Insurance protects sellers of goods and services on credit against the risk of customer non-payment. At Coface, we provide a comprehensive suite of trade credit insurance products against potential non-payment by their customers, with cover provided in approximately 200 countries.
A trade credit insurance policy covers the unpaid credit balance from sales made to your customers. Whether you operate exclusively in Japan or internationally, you know the importance of protecting your company against unpaid invoices, which can have a negative impact on your cash flow and could pose a substantial threat to your business. In order to make sure that you are able to run your business smoothly, we at Coface offer trade credit insurance products to protect your business against loss from bad customer debt.
With Coface trade credit insurance, you can choose to protect your domestic and/or export business and minimize the risks associated with a customer's insolvency or delayed payment.


  • Growth in Sales -  With trade credit insurance products, you can boost your sales by offering favorable credit terms to debtors or prospects and you can also avoid the hassle of using letters of credit when doing business abroad.
  • Cash Flow Relief  - Trade credit insurance provides cash flow relief, when debtors become insolvent or are unable to pay bills on time. Losses can be indemnified, allowing your business to maintain its cash flow.
  • Access to Financing - Lenders and financial institutions look favorably on insured receivables.
Coface insures the trade receivables of Japanese SME that produces electronic parts. This company, which has genuine know-how and an excellent reputation, is on the verge of obtaining its first major contract with an international branded manufacturer of electric appliance which requests for 150 days credit terms.
After an in-depth analysis of this manufacturer’s situation, Coface warns the company of the manufacturer’s financial losses in recent years. The CEO, with input from the plant manager and the head of sales for large accounts, is nevertheless prepared to proceed with this order, which alone would increase the company’s annual sales by 5%.
After further reflection, the Chief Financial Officer decides to request a meeting with a Coface analyst, who convinces him emphatically of  serious difficulties in cash flow with the prospect due to non-payment of its largest importer in Italy. In the end, the company declines the deal and leaves it to a competitor. That competitor is never paid by the manufacturer, which files for bankruptcy just a few weeks after the meeting with Coface.


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