Affinity · Trade Credit Insurance
Protect your book when buyers don't pay
Trade credit insurance covers lenders and sellers against buyer default - protecting outstanding receivables when B2B buyers fail to pay. Purpose-built for NBFCs doing invoice discounting, B2B e-commerce platforms and supply chain finance.
B2B MARKETPLACE
Supplier invoice protection
DEFAULT COVER
Bad debt & invoice protection
Cover details
The protection scope, sub-covers and tenure options available - configurable per your platform and user segment.
Trade Credit Cover
Protects lenders and sellers against buyer default by covering outstanding receivables when buyers fail to pay.
Included coverage
- Buyer insolvency
- Protracted default (buyer hasn't paid within agreed credit period)
- Political risk (for export covers)
For: Lenders, NBFCs, B2B platforms, invoice financing companies, exporters
Which platforms embed Trade Credit Insurance
Trade Credit Insurance works across a wide range of industries and trigger moments. We scope both together so the cover appears exactly when your user needs protection.
Embeds at
NBFCs / Invoice Discounting
Cover on invoice book - protects receivables when the buyer defaults
B2B E-commerce
Seller protection at credit limit approval for B2B marketplace credit
Supply Chain Finance
Anchor-buyer default protection for supply chain lending platforms
MSME Lending
Receivables cover for MSMEs selling on credit - reduces bad debt
Export Finance
Political and commercial risk cover on export receivables
Agri Supply Chain
Buyer default cover for agri input distributors and commodity traders
Fintech Co-lending
Portfolio protection for co-lending platforms with B2B exposure
Why Bharatsure
Built around real user moments
We help platforms package, trigger and service trade credit insurance at the exact point where users already need protection, with product design, insurer rails and claims operations working as one stack.
Protects both sides of the transaction
The lender/seller gets paid even when the buyer defaults; the buyer-side relationship is preserved
Credit limit trigger
Insurance activates at credit limit approval, the natural moment when the exposure is created
Purpose-built for Bharat's B2B stack
Invoice discounting, supply chain finance and MSME lending are uniquely Indian use cases
Common questions
View all FAQsTypically either buyer insolvency (formal bankruptcy or winding up) or protracted default - the buyer has not paid within a defined number of days past the agreed credit period. The exact definition is set in the policy schedule.
Both options are available - whole turnover policies cover the entire book, while named buyer policies cover specific high-exposure buyers. Minimum book size requirements are confirmed at scoping.
Yes. Bharatsure supports domestic trade credit and export credit cover, including political and commercial risk on foreign buyers.
Stop absorbing bad debt. Insure your receivables
Protect your sellers and lenders against buyer default and payment risk. Tell us your platform and the moment exposure begins - invoice, disbursal or order - and we'll co-design embedded trade credit cover that safeguards receivables across your MSME base.
