Non-Payment Protection
Protect your loan book from borrower default.
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 2025, 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.
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Not What You're Looking For?
Our solutions serve a wide range of credit and receivables risks:
- Trade credit insurance to protect financing
- Political risk coverage for international exposure
- Export credit support for U.S.-backed transactions
- Accounts receivable insurance to strengthen borrower repayment
- Resources for P&C brokers offering specialty coverage to lenders
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