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Business growth often means selling more, reaching new customers, and entering new markets.

But as sales increase, so can the amount of money tied up in receivables. Managing this additional exposure is an important part of growing sustainably.

Trade Credit Insurance can help businesses pursue growth while managing the payment risks associated with selling on credit.

What are insured sales?

Insured sales are transactions made with buyers that fall within the scope of a Trade Credit Insurance policy, subject to the applicable terms and conditions.

This means businesses can extend credit to customers while having protection against covered risks of non-payment.

As sales grow, this protection can become an important part of managing the additional exposure created by a larger customer portfolio and higher transaction volumes.

How does growth affect payment risk?

Increasing sales can create new opportunities, but it can also increase exposure.

A growing exporter may:

• Sell larger volumes to existing buyers
• Extend credit to new customers
• Enter unfamiliar international markets
• Have more capital tied up in outstanding receivables

Without appropriate risk management, rapid sales growth can also increase the financial impact of a buyer failing to pay.

Why does this matter?

Managing growth with insured sales can help exporters:

• Protect receivables as sales increase
• Manage exposure across a growing customer base
• Pursue new business opportunities with greater confidence
• Support more sustainable long-term growth

Growth is not only about increasing sales. It is also about ensuring that the risks associated with those sales remain appropriately managed.

A practical example

A UAE exporter has successfully built a customer base across several international markets and receives an opportunity to significantly increase sales to both existing and new buyers.

While the additional orders represent an opportunity for growth, they also increase the value of outstanding receivables.

By ensuring eligible sales are appropriately covered, the exporter can pursue these opportunities while managing the additional payment exposure that comes with expansion.

How Etihad Credit Insurance (ECI) helps

Etihad Credit Insurance (ECI) supports exporters by:

• Protecting eligible receivables against non-payment risk
• Supporting businesses as they expand into international markets
• Helping exporters manage buyer exposure as sales grow
• Enabling more informed and sustainable growth decisions

👉 Explore ECI’s trade credit insurance solutions.