In a market where liquidity defines competitiveness, Credit Insurance and Factoring form a partnership that transforms a company’s cash cycle:

• Factoring advances the collection of credit invoices, guaranteeing immediate liquidity.
• Credit Insurance protects these invoices against default, supporting both the insured and the financial institution.

Together, they allow for anticipated revenue, mitigate default risks, and offer greater certainty to banks and financial providers.

This combination strengthens the company’s position in the face of liquidity crises and opens up opportunities to grow with new clients, including in international markets.

How do they complement each other?

Factoring and Credit Insurance are financial tools that, when used together, offer strategic advantages:

• In the event of non-payment, the credit insurer compensates the loss, either directly to the Insured or to the financial institution (if it was designated as the Preferred Beneficiary in the policy).
• Credit Insurance provides confidence and certainty to your financial providers, increasing their chances of discounting invoices, even from new or unknown clients, as long as they are covered by the policy.

At INCCOR Insurance Partner, we guide you in structuring the best combination of Credit Insurance + Factoring, designed to strengthen your company’s operating and financial cycle.