We're talking about security: What is credit insurance?

When it comes to making an investment, there are two fundamental variables to consider: profitability and security. Depending on the investor's profile, one or the other will carry more weight, so a more conservative person will prefer to minimize risk to the maximum, even at the cost of forgoing high returns. On the contrary, there are those who are willing to assume greater volatility to obtain higher interests.

However, the majority of investors seek a balance between profitability and security, which is why INVERSA does not work with high risk. Our invoices are analyzed by qualified professionals using internal and external data from INFORMA to assign a credit rating to all invoices, known as a Rating. Depending on this rating, a higher or lower return will be offered, always seeking the aforementioned balance and consistently rejecting risky operations.

We work with invoices from two different client profiles:

- Public administrations (AP), which are solvent but have long payment periods. In this case, we work with an estimated average payment period of 30 days, PAYING IN ADVANCE the interests for those 30 days, which will be adjusted later based on the actual days elapsed until the invoice is paid.

- Private companies whose payment period is already published in the document itself, which can be an invoice or a promissory note. The interest to be collected is PAID IN ADVANCE and will also be adjusted based on the actual days elapsed.

But how can we offer even greater investment security?

There is a tool that allows us to approach an even higher level of security, we are talking about CREDIT INSURANCE. What does it consist of?

Credit insurance is a tool that provides coverage for credit risk, so that in case of default by the debtor, the insured will be compensated for the lack of payment of the deferred price. Depending on the company, we can talk about coverage of up to 90-95%. To do this, they conduct a preliminary analysis that provides us with information about the financial strength of the payer.

At INVERSA, we work with several clients whose billing is insured, which means almost total coverage of the invoices and a double analysis, ours and that of insurers, such as CESCE or COFACE for example. With the assignment, all rights of said coverage are also transferred, making them excellent investment opportunities with returns around 4%-8% and MINIMAL risk.

Our goal is to work every day to offer the best investment experience.