B2B credit insurance: one unpaid invoice can wipe out the profit from 50 sales
25% of business bankruptcies are caused by client defaults. It doesn't matter how good your product is or how much you sell: one large default can jeopardise your entire business. Credit insurance is the safety net that turns every credit sale into a protected transaction.
Request demo →What happens when you don't insure your credit sales
Selling on credit without insurance means assuming all your clients will always pay. That's not risk management, it's hope. The numbers say otherwise.
A large default is a hole that's hard to fill
If your net margin is 5%, you need 20 new sales to recover the profit lost from one default. If the amount is high (€50,000, €100,000…), the damage can be irreparable. One bad client can erase months of work.
Domino effect: when a client falls, it drags others
Insolvencies are up 20% in Western Europe. When a large client goes bankrupt, suppliers who sold on credit take the hit. If you're one of them without insurance, the default becomes your liquidity problem. And it can spread through your chain.
Traditional insurance doesn't cover what you think
Annual policies with deductibles, 6-12 month waiting periods for claims, 75-85% coverage (you absorb the rest), sector and country exclusions, and minimum premiums you pay whether you sell or not. Traditional credit insurance was designed for another era.
Without insurance, banks trust you less
Financial institutions value insured receivables. Without credit insurance, your receivables are lower-quality assets, which can limit your access to financing and worsen your credit line conditions.
Two paths. You choose.
We don't force you to change insurer or take out a new policy. If you already have credit insurance, we connect it. If not, we offer one.
Connect your existing insurer
If you already work with a trade credit insurer, FutureBNPL connects to it via API and digitises your policy. We automate limit queries, coverage requests and claims management. Your insurer, our technology.
Activate our integrated coverage
If you don't have credit insurance or prefer a more flexible alternative, FutureBNPL offers integrated coverage. Up to 100% coverage per invoice, with a transactional model: you only pay per insured transaction, no fixed annual premiums.
Insurance built into every transaction, not in a folder
Credit insurance stops being bureaucratic paperwork and becomes part of every sale flow. Automatic, immediate, no intervention.
Scoring approves the transaction
Our engine evaluates the buyer and determines the credit limit. In parallel, it queries available coverage (your insurer or ours) and confirms protection.
Invoice insured instantly
At the moment of approval, the invoice is covered. No forms, no waiting days to know if the insurer accepts. Coverage activates in real time.
If they don't pay, you still collect
If the buyer doesn't pay, the claims process activates automatically. FutureBNPL manages the claim with the insurer and you receive the indemnity without bureaucracy.
Credit insurance classic vs FutureBNPL
About credit insurance
Are your credit sales protected?
Request a demo and discover how to insure every invoice automatically.
Request demo →