Accounts Receivable Insurance
Trade with confidence
Keep America Growing
one export at a time
For American manufacturers with global ambitions, uncertainty isn’t an option. You’ve worked too hard to let uncertainty hold you back.
Accounts Receivable Insurance can fuel US businesses by providing the security that lets you compete — and win — on the world stage.
Accounts Receivable Insurance shields exporters from the risks that come with international open accounts, so you can offer terms with the confidence you’ll get paid. It’s a smarter, safer alternative to what’s on offer, delivering real protection without heavy costs or red tape.
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Accounts Receivable Insurance (ARI)
Growth shouldn’t come at the expense of stability.
Accounts Receivable Insurance (ARI) protects your bottom line with short-term credit insurance that means you carry minimal risk. You can scale globally while being protected against international credit risks.
What is Accounts Receivable Insurance (ARI)?
Accounts Receivable Insurance is a safety net against missed payments, customer insolvencies and delays. ARI steps in to cover up to 95% of unpaid trade receivables when you extend credit to clients, whether domestic or international.
Unlike Letters of Credit (LCs), which secure payment on a per-transaction basis, ARI covers your entire trade receivables portfolio, protecting against non-payment across multiple clients and transactions.
How Accounts Receivable Insurance Works
It’s a proactive tool that safeguards your working capital – enabling growth and operational resilience.
Credit Evaluation
Our insurance carriers assess your customers’ financial stability and assign appropriate credit limits.
Ongoing Monitoring
Teams of experts track your customers’ financial health and alert you about any risks.
Claims Process
If a customer defaults, you file a claim with the insurance carrier to recover up to 95% of the unpaid amount.
Tailored support
We offer guidance on adjusting credit terms to minimize future risks.
Benefits of Accounts Receivable Insurance
How Accounts Receivable Insurance pays for itself
Running a business means managing risk, especially when extending credit to customers. And, when most businesses think about risk management, they see an extra line item to account for every year.
But Accounts Receivable Insurance (ARI) is not an added expense. It’s an investment that can unlock new growth and pay for itself.
Without ARI, every trade receivable is a risk—an unpaid invoice that can hurt your cash flow. With ARI, those risks become an asset.
How?
ARI gives you the leverage to access better financing. Banks trust insured receivables more, which means you can borrow against them at better rates. In short, ARI strengthens your credit profile, so you can expand sales, lower borrowing costs and reduce transaction risk.
How to benefit from Accounts Receivable Insurance
Protection against major losses
A key customer default can be financially devastating for a business. ARI covers a significant portion of unpaid debt, shielding your business from substantial losses.
Confident expansion
Studies show that trade-insured companies increase sales by up to 20%. With ARI coverage in place, you can extend larger credit limits and flexible terms – enabling you to reach new clients and markets without taking on additional risk. You can safeguard sales, while selling.
Enhanced financing options
Banks often see insured receivables as lower risk, which can lead to better terms, increased credit lines and lower interest rates. Many lenders even require trade insurance for credit extensions, giving your business a stronger financial profile.
Strengthened Customer Relationships
By offering more attractive payment terms and higher credit limits, you make your business more appealing to clients. Accounts Receivable Insurance cover enables you to build flexible, long-term relationships that foster customer loyalty and growth.
Access to Global Credit Management Expertise
Partnering with top global carriers including Chubb, Allianz, Atradius and Coface, we bring you the intelligence of the very best underwriters. Our collective knowledge and capabilities support informed decision-making and competitive advantage.
Why work with American Trade Finance?
A US-based lender and broker, American Trade Finance (Atrafin) offers unique solutions, sound expertise and wide access to industry partnerships.
Our services come at no extra cost to you because we are compensated by the insurance carriers and not by our clients.
Our commitment is to empower US exporters and manufacturers through:
Global Expertise
We have access to a vast network of underwriters that provide localized insights to help you mitigate risks across markets.
Tailored Solutions
We design ARI insurance policies to fit your risk profile, ensuring relevant and effective protection.
Proven Results
American Trade Finance’s solutions have helped businesses to reduce risk, secure financing and expand internationally.
How American Trade Finance elevates your exports
Comprehensive Risk Management
Operating as both lender and broker, we are able to offer financing and integrated solutions to cover every facet of business risk. We advise you, we provide direct credit to your international buyers, and we help to secure your balance sheet.
In-depth Export Expertise
With decades of experience and over $1 billion in EXIM Bank authorizations, American Trade Finance is proud to stand by American businesses as they navigate the complexities of global trade. We go beyond consulting to ensuring that every solution delivers results in real-world conditions.
In-house Underwriting & Credit Management
Our in-house experts go the extra mile to secure business outcomes. For example, American Trade Finance has helped clients to 10x their credit limit.
A reputation built on results
With a robust portfolio and success stories across various industries, American Trade Finance is a trusted partner in global growth. Our solutions can be tailored to meet each client’s unique needs, whether small business or major player.
Financial solutions for every growth stage
Whether your business is new to exporting or already leading the field, American Trade Finance scales alongside you. Our fast, flexible funding options allow you to make export financing of up to $1 million available to your customers within only 30 days. You need never miss an opportunity.
Recognized Leadership in the Trade Finance Space
2024 Presidential Export Award:
American Trade Finance is a proud recipient of the President’s “E” Award for Export Service, the highest honor awarded to US companies that have substantially impacted expanding American exports. This recognition underscores our dedication to empowering US manufacturers and exporters.
Authorized Lender: EXIM Bank:
For over 20 years, American Trade Finance has served as an authorized lender with the Export-Import Bank of the United States (EXIM).
Industry-leading international insurance carriers
Atradius: Operating across 54 countries, Atradius offers trade credit insurance, surety and debt collection to help businesses to navigate mature and emerging markets.
Chubb: A leader in global insurance, Chubb’s specialized teams cover insolvency, political instability, and country-specific challenges, enabling US businesses to expand.
Coface: Covering over 200 countries, Coface delivers tailored credit solutions and robust risk assessment tools – providing critical support for cross-border trade.
Types of Accounts Receivable Insurance Coverage
ARI is flexible and adaptable, with options to fit the scale and scope of your needs.
Whole Turnover (Multi-Buyer)
This ARI cover provides comprehensive protection for your entire receivables portfolio, covering domestic and international clients on open account terms.
This ARI cover exclusively protects foreign trade receivables, shielding you from risks like political and economic instability.
Key Accounts (Multi-Buyer)
Key Accounts ARI cover helps to protect high-value customers and ensure that your most critical accounts are secured.
Single Buyer
This ARI cover, also referred to as Transactional cover, insures your trade receivables from a single critical client and is designed for high-value, one-off deals. While it can be more costly due to the concentrated risk, it is the ideal option if non-payment from one customer can threaten your business’s financial health.
Industries Served by Accounts Receivable Insurance
American Trade Finance protects several industries from the impact of non-payment, while enabling competitive credit terms.
Which key sectors benefit most from ARI?
Manufacturing
With large orders and extended payment terms, manufacturers often face cash flow challenges, especially when managing multiple high-value contracts. ARI coverage ensures that manufacturers can maintain production schedules and fulfill orders without the threat of interruption or instability caused by a single default.
Wholesalers and trading companies
For wholesalers and distributors operating on slim profit margins, even one missed payment can be devasting – especially when it comes to high-volume goods. ARI covers unpaid receivables, safeguarding these businesses by allowing them to operate without offsetting losses through massive additional sales. This secures profitability and supports financial stability in high-risk environments.
Export and international trade
Exporters face diverse risks, from political instability and economic uncertainties to currency fluctuations. To remain competitive, many US exporters offer open account terms – but this means a higher risk of non-payment. With receivables protected from global events, you can confidently explore new markets.
Secure your exports. Stay competitive. Take on the world.
You may think America’s big enough for you to scale. But there’s a whole world out there – and that is precisely why risk mitigation solutions have moved on.
