Choose Tradeliner: A mid-market credit insurance solution for trade in Australia

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. Evaluate and Monitor Customer Risk with Confidence - Through the CofaNet Essentials platform, you can access and manage your customer portfolio, request credit cover, and monitor changes in your customers' financial health in real time. With up-to-date insights available 24/7, you can make informed decisions and trade with greater confidence.

2. Simplify Debt Collection with Expert Support - When a payment becomes overdue, simply submit your claim online. Our global network of debt collection specialists immediately takes action to recover outstanding debts, both domestically and across more than 200 countries and territories worldwide.

3. Safeguard Your Cash Flow with Trade Credit Insurance - If debt recovery efforts are unsuccessful within the contractual timeframe, TradeLiner indemnifies up to 90% of the insured debt, helping protect your cash flow and profitability. Compensation is provided within five months for protracted defaults or within one month following court-confirmed insolvency.

TradeLiner helps businesses mitigate customer credit risk, reduce uncertainty, and maintain healthy cash flow, enabling them to focus on growth with greater security and peace of mind.

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 A$8,000,000 and A$16,000,000 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, a reduction or withdrawal of cover for a buyer does not affect transactions that have already been completed and covered. Any goods delivered or services performed while the cover was active remain protected in accordance with the terms of your policy.

The updated cover decision only applies to future transactions from the effective date of the change. This means you retain protection for previously covered sales while receiving an early warning signal that can help you manage risk and make informed decisions on future business with that buyer.