A mid-market credit insurance solution for trade in Japan

TradeLiner, our mid-market credit insurance solution leaves you free to work with your trade partners without worrying about outstanding invoices. It also opens up financing opportunities and means you no longer have to handle debt collection internally.

1. Assess and monitor your customers’ creditworthiness
Access your customer portfolio via CofaNet Essentials, request cover, and monitor changes in your customers’ financial health in real time, 24/7.

2. Recover unpaid debts with one click
If a customer fails to pay, simply submit a claim online. Our global network of experts manages the recovery process in over 200 countries.

3. Protect your cash flow
If debt recovery is unsuccessful, TradeLiner can compensate up to 90% of the insured debt, helping safeguard your cash flow and margins, subject to policy terms.

TradeLiner can also be enhanced with optional cover for risks such as political events, natural disasters, manufacturing risks, subsidiaries, consignment sales, and advance payments.

With TradeLiner, you can confidently manage customer risk and protect your business from bad debt losses.

Our wide range of options means we can design your TradeLiner contract together so that it is tailor-made for your business or the structure or governance inside your organisation - and so that it meets your specific coverage needs. Here are a handful of concrete examples:
 

• Do you manufacture customised products for a specific client? Do you want to prevent the default of an instructing party in the event that the contract is interrupted? The manufacturing risk option covers you against the risk of customer default during the production period and prior to delivery.
   
• Do you export sales to at-risk countries? The political risk option guarantees your invoices against the risk of non-payment resulting from adverse public or civil events (terrorism, riots, war, restrictive export restrictions, etc.).

Credit insurance is a solution designed to secure the future of your business and develop your medium size company.
The premium rate for TradeLiner is based on bespoke calculations: it is expressed as a % of your insurable turnover and draws on factors such as the business sector to be covered, the geographical area of your customers, the type of coverage required and the selected options.
Companies often underestimate the cost of outstanding invoices… Are you one of them? Are you aware of the impact of the cost of non-payment on the profitability of your company? Use our simulator to estimate the additional turnover you need to offset this loss based on your margins.

If your B-to-B turnover is between JPY80,000,000,00 and JPY16,000,000,00 on the domestic and/or export market, and you want to protect your invoices against the risk of outstanding invoices (due to bankruptcy or late payment by your customers), then the TradeLiner solution for SMEs is perfect for you: it’s a simple, flexible credit insurance policy. It’s also particularly suitable when your contract is backed by financing.

If your client is pleading a commercial dispute to avoid paying you, our collection managers will check that they are not acting in bad faith in order to conceal their inability to pay. If the dispute is real and bona fide, we will simply suspend our collection process while we let you settle the dispute within the context of your customer-supplier relationship. The guarantee is reactivated once the dispute has been resolved, and the invoice can be indemnified if the customer is unable to settle it. 
You can also take out a specific option that includes insurance for disputed claims.

A reduction or withdrawal of cover does not affect transactions already covered. Goods delivered or services provided while the cover was in force remain protected under the terms of your policy.

The revised cover decision applies only to future transactions from the effective date of the change. This ensures protection for existing covered sales while giving you an early warning to reassess future business with that buyer.