Services
Protect Your Business with Bad Debt Protection
Shield your cash flow from invoice non-payment — get up to 90% coverage against customer insolvency or default.
Why Protection Matters
Running your business on tight working capital? A single unpaid invoice can derail operations. Bad Debt Protection ensures stability, so you don’t lose ground when customers don’t pay.
How It Works
Step 1
Activate Cover
Select the customers or invoices you want protected; we assess creditworthiness.
Step 2
Ongoing Protection
Your invoice finance facility continues as usual, with cover in place.
Step 3
Claim if Needed
If a protected customer defaults, submit a claim — we’ll recover up to 90% of the invoice value.
This operates seamlessly alongside your existing invoice finance setup, avoiding disruption to your cash flow or credit control process.
Key Benefits
01.
Safeguard Working Capital
Maintain cash flow—even in the event of non-payment.
02.
Trade with Confidence
Take on larger, higher-value orders without exposing yourself to bad debt.
03.
Better Credit Control
Benefit from debtor monitoring and insights to inform your decisions.
04.
Improved Funding Rates
Some funders may offer enhanced advances when protection is in place.
05.
Fast Claims Process
Efficient and supportive — designed to minimise business impact.
Why Advance Commercial Finance?
Independent and Adaptive
Fast, flexible support tailored for SMEs across the UK.
Personal Service Focus
Your dedicated manager handles queries and claims quickly.
Clear, Transparent Terms
You know what you’re covered for—fees, thresholds, and process all spelled out.
Why Advance Commercial Finance?
Is this like credit insurance?
No — Bad Debt Protection integrates into your invoice finance facility, making it more streamlined and cost-effective than standalone credit insurance.
Can I choose which invoices or customers to protect?
Yes — you can tailor the service to your risk exposure and flexibility needs.
How quickly can I get protected?
Cover can be activated rapidly, often within 24 hours.
