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How to protect against bad debt?

Annually SMEs lose thousands of euros due to customers’ insolvency or poor payment practices. These payment issues present a real risk to businesses, restricting cashflow and preventing growth. Delays or non-payment of invoices can affect the viability of all business.

We can offer non-recourse Bad Debt Protection and protect you against bad debt risk. This provides you comfort in knowing you’ll receive payment and safeguard your cashflow if your customers are unable to make payment or become insolvent. 

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Is your business suitable

Your business could be suitable if you:
  • Yes: have had previous experience of customer bad debt
  • Yes: want to minimise the risk of non-payment from customers
  • Yes: want to safeguard your cashflow
  • Yes: have some customers that represent a large percentage of your sales
Get a quote

Bad Debt Protection


  • We take on your bad debt risk
  • Protects up to 90% of your bad debts
  • Protection can be provided for customers with balances over €1,000
  • We can cover debts up to 60 days old
  • Can protect against all of your customers or can be used just for selected customers
  • We credit check all of your existing customers and any prospective customers
  • Additional funding may be available against customers who represent a large proportion of your sales or where longer payment terms are offered
  • We take care of all the administration, so you can free up your time


  • Speed: Bad Debt Protection can be in place within 24 hours
  • Security: we protect your business when your customers do not pay
  • Scope: up to 90% of your bad debts can be protected
  • Choice: you can decide which customers need to be covered
  • Prevention: you can monitor your customers and act before they become a bad debt
  • Flexibility: we can back date protection on all debts by 60 days
  • Personal: we have a relationship-based approach with our clients and understand their business needs

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How Bad Debt Protection can help your business?

Bad debt affects businesses of all sizes and from all sectors. It can be caused by many factors, including late payment from suppliers. Bad Debt Protection can be added to your Invoice Finance facility to provide you the peace-of-mind that you are covered even if your customers get into financial difficulty.

With credit checks and up to 90% protection against bad debts, you have the confidence of knowing you will receive payment for the work you’ve done or products you’ve sold. And you can be sure customer insolvency won’t affect your cashflow.

€13,780 is the average amount written off by SME’s in Ireland a year due to customer non-payment or insolvency Bibby Financial Services Confidence Tracker

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Speak to one of our team today on 01-297-4911