Notice. FG Capital Advisors is a credit risk and capital advisory firm. We are not an insurance company or retail insurance broker and do not arrange or issue insurance policies. Trade credit insurance products are arranged and issued by regulated insurance intermediaries and insurers in their own names and under their own licences. Our role is limited to advisory work around credit risk and structure, coordination with regulated intermediaries, and introductions where appropriate. Any engagement that touches insurance or securities depends on KYC and AML checks, sanctions screening, underwriting appetite, legal and tax advice on your side, and definitive documentation with regulated counterparties. All securities activities are carried out through regulated broker dealer partners under a chaperone arrangement.
Trade Credit Insurance Support for Exporters and Traders
We help exporters, manufacturers, distributors, and commodity traders organise their buyer portfolios and structure trade credit insurance strategies so regulated brokers and insurers can assess and quote on a clear, informed basis.
You submit your documents, we review the case, and we revert with a written proposal that sets out potential approaches, the type of insurers and brokers that may have appetite, and the next steps if a mandate together makes sense.
Request A Trade Credit Insurance ReviewWho We Support
- Exporters with growing exposure to a concentrated group of buyers or countries.
- Commodity traders that want non payment protection on key counterparties.
- Manufacturers and distributors that sell on open account terms in multiple markets.
- Corporates that want trade credit insurance to back borrowing base lines or securitizations.
- Sponsors and structured finance clients that need receivables protection to support private credit facilities.
- Companies with existing trade credit insurance policies that no longer match their growth, buyer mix, or lender expectations.
Why Trade Credit Insurance Needs A Strategy
Trade credit insurance is not only about paying a premium. The way you present your buyer portfolio, limits, terms, and loss history has a direct impact on which insurers show interest and what they quote.
- Many companies accept the first offer from a bank recommended insurer without comparing alternative structures.
- Policies can contain exclusions, country limits, or waiting periods that make claims recovery difficult when you need it most.
- Lenders often ask for specific wording, notices, and assignments so they can rely on the policy as part of their security package.
- Time is wasted when information is incomplete, unclear, or presented in a way that does not match how underwriters review risk.
A structured approach helps you secure terms that match your sales strategy and your funding requirements instead of just filling a form and hoping for the best.
What FG Capital Advisors Does
We focus on the credit and capital side so that brokers and insurers can concentrate on underwriting and issuing the policy.
- Analyse your buyer portfolio by country, sector, size, and requested limits, including ageing profiles and loss history.
- Help define which buyers and exposures should be insured, and which can remain on your own balance sheet.
- Prepare a structured pack that insurers and brokers can assess quickly, with clear data tables and narrative.
- Coordinate with your existing insurance broker or introduce suitable regulated brokers that have access to relevant carriers.
- Review non binding indications and quotes shared by regulated brokers and insurers, and highlight the trade offs between premiums, limits, and conditions.
- Work with your lenders so policy structures can support borrowing bases, assignments, and reporting requirements where practical.
We do not act as an insurance broker or carrier, do not receive client premium funds, and do not provide retail insurance advice. Insurance intermediation, including placement, distribution, and policy issuance, rests with regulated insurance intermediaries and insurers.
How Our Process Works
- 1. Document Submission. You complete our contact form and submit your buyer list, requested limits, financial statements, ageing, loss history, and any existing policy documentation through a secure channel.
- 2. Desk Review And Case Screening. We review your documents, clarify any points by email, and assess whether the profile is likely to attract attention from serious trade credit insurers and suitable brokers.
- 3. Coordination With Regulated Brokers And Insurers. Where the case is suitable and you wish to proceed, we either prepare a recommended approach for your existing broker or introduce regulated insurance intermediaries that can approach insurers using the prepared pack.
- 4. Written Proposal And Next Steps. We revert with a written note setting out potential structures, the type of insurers and brokers likely to have appetite, how cover could support your funding strategy, and, if appropriate, a proposed advisory mandate and fee arrangement.
Any formal approach to insurers and any issue of terms or policies takes place through regulated insurance intermediaries and insurers. Our role is to improve the quality of information and structure around your case and to help you navigate the process.
Typical Use Cases And Outcomes
- Winning larger orders from key buyers. Trade credit insurance gives you comfort to offer higher limits or longer terms to strategic clients without taking unacceptable exposure.
- Backing working capital and borrowing base facilities. Lenders may offer higher advance rates or larger facilities when receivables are insured and policies meet their assignment requirements.
- Entering new countries or sectors. Cover on new markets can support commercial expansion while keeping a clear ceiling on potential losses from unfamiliar counterparties.
- Repairing or replacing weak policies. Where existing cover has low limits, restrictive wording, or frequent disputes, we help redesign the approach and explore alternatives with regulated intermediaries.
- Supporting structured finance deals. Sponsors and private credit funds often need trade credit insurance to improve risk distribution and support syndication or participation.
What We Need To Review Your Case
To give a serious view on trade credit insurance potential, we need a clear picture of your receivables and buyers. We only review complete files.
- Two to three years of financial statements and basic KPIs for the insured entity.
- Current buyer list with country, sector, annual sales, requested limits, and payment terms.
- Ageing analysis of receivables and a summary of past due items and historic bad debts.
- Copies of any existing trade credit insurance policies, endorsements, and current limits.
- Summary of your bank and private credit facilities that may rely on the policy.
The stronger your data, the more willing serious insurers are to engage through regulated brokers and to consider competitive structures.
If you are considering trade credit insurance or want to improve an existing policy, submit your buyer list, exposure by country, financials, and current coverage. We will respond with a written view on potential structures, insurer appetite as seen in the market, and whether a formal advisory mandate with introductions to regulated insurance intermediaries is appropriate.
Submit Your Buyer PortfolioDisclosure. FG Capital Advisors provides credit risk, capital advisory, and coordination services. We are not an insurance producer or carrier and do not offer, sell, or issue insurance. Trade credit insurance products are arranged and issued only by appropriately licensed insurance intermediaries and insurers. This page is not an offer or solicitation to buy or sell insurance, securities, or any financial product. Any engagement is subject to internal approval, conflict checks, KYC and AML checks, sanctions screening where required, independent legal and tax advice on your side, and the terms of a formal mandate, engagement letter, and final documentation with regulated entities, including licensed insurance intermediaries and insurers.
