The Overlooked Safety Net That Keeps Your Business Trading

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Over 630,000 UK businesses rely on Trade Credit Insurance each year

It supports more than £350 billion of trade annually. Trade Credit Insurance is one of the most effective ways to protect your business from the impact of late or non-payment. Yet for many, it remains a forgotten part of financial planning until a limit gets removed or a customer fails.

Why Trade Credit Insurance Matters

Protect Your Working Capital

Unpaid invoices tie up your cash and strain operations. Insurance gives you peace of mind that your receivables and your cash flow are protected.

Avoid Sudden Credit Shocks

If an insurer loses confidence in a customer’s creditworthiness, limits can be pulled with little to no warning. That can halt trading, delay growth, or force you to scramble for working capital solutions outside of your company. Regular oversight reduces that risk.

What would a £50,000 uninsured bad debt mean in real terms for a business? They would have to do £1m of sales to replace this on a 5% margin.

Reverse Credit

Lightbulb can help you understand and assess how your business is rated by some of the UK’s leading trade credit insurers through access to their data sets and ratings. From this, the Lightbulb team will support your business in presenting information to these key insurers, utilising agreed, bespoke, and trade credit insurer approved templates to ensure the right data gets to the right people. Our ability in this space is unmatched and the value this can unlock for businesses by ensuring suppliers are able to access the most favourable terms is considerable.

Talk to Lightbulb

Lightbulb go beyond credit scores and reports. We help you navigate the full credit ecosystem with confidence through ongoing insights, insurer engagement, and strategic support.

Manage communication at times of uncertainty and volatility

When conditions change it’s within your business or your customer’s interest we help explain the full picture to insurers, helping to maintain confidence and avoid disruption.

We also help you make sense of your current trade credit cover by identifying ways to reduce risk, improve visibility, and negotiate stronger terms that better support your growth.

Maintain and maximise discretionary limits

We help you understand how discretionary limits work and provide the credit evidence insurers need to support them. At Lightbulb, we help businesses unlock and maintain discretionary limit approvals by providing the credit intelligence insurers rely on.

Proactive insurer engagement

We work alongside you and your broker to make ongoing presentations to insurers, ensuring your policy evolves with your business not just at renewal. Even businesses in a strong position can unlock further growth such as increasing credit limits from £1 million to £3 million. The policy becomes a growth enabler.

Industry relationships that work in your favour

Lightbulb operates at the heart of the credit and insurance ecosystem. Our relationships across the market mean we can advocate on your behalf with authority and speed. And if you’re exploring new options, we can introduce you to trusted insurance partners aligned to your business needs and sector.

Stay Ahead with Real-Time Data

Insurers don’t just rely on annual accounts; they need timely, accurate financial information. Lightbulb bridges that gap with frequent market updates, ensuring insurers stay confident in your business and your customers.

Build insurer confidence with consistent updates

We will help you with frequent, insightful updates to key players across the insurer agencies and ultimately your supply chain.

Success Stories

Funding

Proactive credit improvement cuts client’s borrowing rate by 3.2 percentage points

Bespoke service

Navigating construction chaos: Lightbulb averts financial crisis, saving £20-25m.

Monitoring

Empowering businesses with strategic advantages through our Credit Monitoring service.

Tendering

Logistics firm triumphs in tender bids, turning rejection into success.

Funding

From declines to approvals: SME funding helped in 48 hours.