Tradeliner: Mid-market credit insurance solution in Philippines

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.

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.).

1. Assess and Monitor Your Customers' Creditworthiness

Through the CofaNet Essentials portal, you can review your customer portfolio, request credit cover, and monitor changes in your customers’ financial health in real time. Access key insights 24/7 to support informed business decisions and manage risk effectively.

2. Recover Unpaid Debts with Ease

In the event of non-payment, simply submit your claim online. Our global network of debt recovery experts will promptly take over the recovery process, both domestically and across more than 200 countries and territories worldwide.

3. Protect Your Cash Flow with Compensation

If debt recovery is unsuccessful within the timeframe specified in your policy, TradeLiner can indemnify up to 90% of the insured debt, helping safeguard your cash flow and profitability. Compensation is typically paid within 5 months for protracted default cases, or within 1 month following court-confirmed insolvency.

With TradeLiner, you can confidently manage customer risk, strengthen cash flow protection, and support sustainable business growth.

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 PHP8,000,000 and PHP16,000,000 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.

Rest assured, any reduction or withdrawal of cover for a buyer does not impact sales already made and covered. Transactions completed while cover was in place remain protected, subject to your policy terms. The updated cover decision applies only to future transactions from the effective date, helping you safeguard both existing business and future trade decisions.