Non-Payment Protection for
Commercial Loans and
Loan Portfolios
Protect Your Lending Portfolio
De-risk, Empower, and Expand with Confidence
Managing credit risk is complex, but we make it easier for you. Our non-payment insurance solutions help you protect your portfolio while maximizing growth.
De-risk Your Loans
Reduce Credit Exposure, Increase Lending Power
With Securitas, you get protection against borrower non-payment. That means you can lend more without increasing risk.
- Extend Credit Safely: Use insured credit to raise lending limits.
- Cut Syndication Costs: Retain more risk, reduce the need for syndications.
- Unlock Working Capital: Insured receivables can increase available funds.
Capture More Fee Income
Maintain Control Over Credit Risks
Credit insurance helps you keep transactions in-house, avoiding syndication fees.
- Protect Receivables: Secure borrower payments with insurance.
- Avoid Outsourcing: Capture more fee income by reducing reliance on syndication.
Expand Globally with Confidence
Use Global Credit Resources
Entering new markets? Our global insurers provide top-tier credit data to guide your decisions.
- Smarter Lending Decisions: Real-time insights into borrower creditworthiness.
- Global Reach: Access credit protection worldwide.
Enhance Borrowing Power
Unlock Working Capital
Insured receivables can increase the amount of working capital available to your bank.
- 85% Financing: Banks lend up to 85% on insured receivables.
- International Coverage: Cover risks tied to foreign and concentrated receivables.
History of Non-Payment
Insurance
American Credit Indemnity, established in 1893, and subsequent insures have only covered sellers against buyer non-payment attributable to trade. In 1995 there were only five US trade insurers and over fourteen thousand commercial banks. Commercial banks have leveraged trade credit insurance mainly to de-risk and/or finance their borrowers’ ineligible receivables typically related to concentrations, dating terms and/or foreign trade.
Almost thirty years later, as of 2024, there are over 25 insurers underwriting credit risk. Within the last five to ten years, some of these insurers are now protecting lenders against non-payment/default attributable to a single borrower or portfolio of loans.
Banks have expanded from being a policy beneficiary to being the insured. As an insured, lenders are covering a portion of their attributable credit risk to a single borrower/obligor or a portfolio of loans.
Securitas Has Structured Policies for Banks
Benefits for you:
- De-risk.
- Lenders can exceed internal hold amounts to meet borrowers’ credit needs.
- Insurers represent a non-competitive partner.
- Retain fee income and ancillary revenue stream demanded by other bank participants
- Capture more fee income.
- Augment a bank’s loan syndication program.
- Capital relief / insured portion of loan can be assessed better risk rating in most cases.
Solutions Offered
- A/R Purchase Program
- Trade Payable (supply chain) Program
- Letter of Credit Program
- Term Loans
- RLOC
Why Securitas Global Risk Solutions?
Ready to protect and grow your portfolio? Securitas Global has 20+ years of experience helping banks like yours.
- Custom Solutions: Tailored credit insurance for your unique needs.
- Global Expertise: Partnerships with top insurers provide the best coverage.
- Client-First Approach: We work for YOU, not the insurers.
Take the next step toward secure, confident lending.
Request a
Consultation
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