ABOUT TRADE CREDIT ADVANTAGE LIMITED
Our Specialisation
At Trade Credit Advantage, we specialise in delivering tailored trade credit insurance solutions that help businesses protect cash flow, trade with confidence, and support sustainable growth. Our client-focused approach, combined with deep industry expertise and best-in-class service standards, ensures that every solution is designed around your individual needs and objectives.
Our mission is simple — to put our clients first at every stage. By leveraging our extensive market knowledge and strong relationships with insurers, we secure the most effective protection available at the most competitive terms.
Our vision is to become the leading independent specialist credit insurance broker in the UK, recognised for exceptional service, trusted advice, and innovative solutions. Through our expertise, we help businesses grow profitably and trade with greater confidence. We are also committed to increasing awareness of trade credit insurance and the valuable role it can play as a strategic business tool and to grow our market.
Throughout the lifetime of your policy, we actively work on your behalf to maximise the level of insured cover available from your insurer. Where additional support is needed, we use our market expertise to source alternative “top-up” facilities to provide enhanced protection.
We ensure that you fully understand your responsibilities as a policyholder and provide ongoing guidance on all aspects of policy compliance, helping you manage your policy effectively and avoid unnecessary risk.
In the event of a claim, we support you through the entire process — from pre-vetting the claim through to liaising directly with insurers — ensuring claims are handled efficiently and paid as promptly as possible.
OUR TRADE CREDIT INSURANCE SERVICES
Policy Coverage
Protect your business from non-payment risks and insolvency with our tailored trade credit insurance policies and strategies.
Claims Assistance
Receive expert support in managing and filing claims to recover outstanding debts due to trade credit defaults.
Risk Assessment
Gain insights into the creditworthiness of your potential and existing buyers to make informed trading decisions.
Policy Customization
Customize your trade credit insurance policy to align with your specific industry, trade practices, and risk management needs.
Customer Support
Access dedicated customer support for any inquiries, policy modifications, or assistance with trade credit insurance matters.
Consultation Services
Get personalized consultation and guidance from our experts to understand how trade credit insurance can benefit your business.
CLIENT TESTIMONIALS
"Climate FM is a rapidly growing M&E specialist that uses credit insurance to support business growth while protecting against bad debts.
We recently appointed Trade Credit Advantage as our broker after becoming increasingly frustrated with the delays in receiving a six-figure claim payment from our insurer, which had been outstanding for approximately 18 months.
Through their expertise, Trade Credit Advantage guided us on the insurer’s requirements and negotiated effectively on our behalf. As a result, we received the full claim settlement within just six weeks of their appointment.
I would have no hesitation in recommending Trade Credit Advantage."
Wayne Manners - Managing Director Climate FM Ltd
"We have used credit insurance for many years to support business growth and protect against bad debts. Previously, we dealt directly with an insurer with whom we enjoyed an excellent working relationship.
As with any credit insurance policy, there are occasionally credit limit shortfalls. During the last year, Ashley utilised his extensive market knowledge to secure top-up cover, enabling us to increase turnover with several key customers.
As our renewal approached, we asked Ashley to conduct a comprehensive market review to ensure that our existing insurer continued to provide strong credit limit cover at a competitive price. While we were keen to remain with our current insurer if possible, we wanted reassurance that we were receiving the best available terms.
As part of the review process, we appointed specialist broker Trade Credit Advantage to manage our existing policy and handle negotiations with our insurer on our behalf. Through Ashley’s involvement, our premium rate was reduced by just over 7%, while insured cover levels were increased for several customers. This allowed us to retain our valued relationship with our existing insurer while benefiting from improved cover and reduced costs.
Since renewal, Trade Credit Advantage have continued to help negotiate problematic credit limit requirements on our behalf."
Jay Pittaway - Director / Owner Omnia Outsourcing Ltd
When we heard that Mike, Mark, and Ashley had come together to create Trade Credit Advantage, there was no hesitation in looking to support them.
We have known them for many years, and all of them have always demonstrated a comprehensive understanding of our industry, our clients and finding the best solution to meet their needs.
Since inception, we have not only recommended and implemented credit insurance for our MAYACHI clients, but they have also helped us with our own policy needed for our own funding solution.
We are looking forward to continuing to build on our relationship by working with who we deem to be the best in the industry!"
Stewart Roberts - Managing Director MAYACHI Limited
FREQUENTLY ASKED QUESTIONS
Why is trade credit insurance important for my business?
Trade credit insurance protects your business from the risk of non-payment by your buyers due to insolvency or protracted default, enabling you to trade and grow your business with confidence.
How is the premium for trade credit insurance determined?
The premium for trade credit insurance is determined based on factors such as the buyer's creditworthiness, the industry, country risk, and the policy coverage as well as the incidence of previous bad debts.
Which businesses can benefit from trade credit insurance?
Any business that trades on open credit terms will benefit from Credit Insurance. Various sectors including manufacturing, recruitment, IT, wholesale trade, construction, pharmaceuticals, food and drink, automotive and professional services all use credit insurance to safeguard their accounts receivable.