We're talking about Security: Insured Invoices.

What do we mean when we talk about insured invoices?

When a company negotiates a sales contract (invoice) with its customer granting a payment extension, it assumes the role of creditor and the customers to whom it has sold a good or service would be the debtor party.

In these cases, companies may opt to take out credit insurance to protect themselves, which becomes the best tool for efficient risk management.

What services does this insurance usually include? (Insurance Contract Law, (art.69,70,71,72)

1- Information about the financial strength of your current and potential clients.

This service involves continuous and permanent monitoring of the solvency of the client portfolio.

For the investor, it represents the security of a double analysis, ours and that of the insurer.

2- Debt recovery.

The insurer implements a series of measures aimed at recovering unpaid credits. The recovery may extend to the debt not covered by the policy.

3- Indemnification.

The Insured will be compensated for losses arising from non-payment of the deferred price.

Under what conditions is it activated? For an insured to receive compensation from their credit insurance, the debtor must be declared insolvent. However, when a company encounters defaults from its customers, it must notify its insurer, and the insurer must pay them, 6 months after the notice, 50% of the coverage initially agreed upon provisionally and on account of the final settlement.

Does it return 100% of the capital? The percentage of indemnification will be individually negotiated and included in the contract. It will correspond to the final loss resulting from adding the unpaid credit of the insured to a series of costs arising from recovery efforts, as well as procedural costs and other agreed expenses.

In the case of investing in insured invoices, does it return the interests? In the case of Inversa, we are the first platform that pays interest in advance, so such a refund is not applicable. The client already receives their return at the moment the operation is formalized, that is, as soon as the invoice is covered.

Inversa works with several clients whose invoicing is insured with a 90-95% coverage, and this coverage is transferred with the endorsement, making these invoices an investment product with a very high level of security.