Credit Solutions

In today's dynamic business world facing numerous economic and geopolitical challenges, companies are constantly exposed to challenges that can jeopardise their financial stability.
One of the most effective measures to protect against bad debt losses is trade credit insurance.

This form of protection against corporate financial risks is a responsible task that you should place in competent hands: Howden's credit team has many years of extensive experience in the industry and comprehensive specialised know-how. From SMEs to listed companies, our clients value our professionalism and specialist expertise. Our core product, trade credit insurance, protects companies against unpaid invoices and bad debts.

The products of the credit insurance market offer you numerous options for safeguarding your cash flow and are an indispensable part of sound risk management:

Protection against payment defaults

Trade credit insurance protects your company against the financial consequences of unpaid invoices and payment defaults.Whether due to insolvency, late payment or other unforeseen events - with appropriate insurance, you minimise the risk of unpaid receivables becoming a serious problem. This allows you to concentrate on your core business without having to constantly worry about liquidity. 

Secure your financial stability with factoring

Factoring is a financing method in which a company sells its receivables to a factoring company, as unpaid invoices can lead to liquidity bottlenecks. However, companies need sufficient liquidity for their own liabilities and for investments. Credit-insured receivables can also be sold to a factor. 
The liquidity advantage that can be achieved through factoring makes it an essential aspect of corporate strategy for companies. 

Increase your financial room for manoeuvre with deposit insurance/guarantees

A surety provides the creditor with security, as he can hold another debtor liable in addition to his actual contractual partner.In this way, they can protect themselves against a possible default by the debtor. There is a wide range of guarantees on offer. In addition to the well-known advance payment, contract fulfilment and warranty guarantees, there are many other types of guarantees. Many companies rely on bank guarantees. However, insurance guarantees are the better choice here, as they are not offset against credit lines and therefore increase financial room for manoeuvre. We will be happy to help you find the right solution for your company. 

Why Howden Credit Solutions?

Our aim is to work in partnership with our customers on a long-term basis. We focus on first-class advice and support. Genuine customer proximity is particularly important to us. That's why you will be looked after by your own personal expert from the conclusion of the contract to claims settlement - and, of course, for all questions in between.

Howden Credit Lines specialise in credit insurance, factoring and surety insurance products and offer you a wide range of solutions.
We always focus on your needs and wishes when implementing the right solution.