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Insightflow

Trade Finance

Exporting into Africa? Your Buyer Wants 90 Days. Your Insurer Won't Cover the Country.

An underwriter panel that goes where SA insurers won't. 30 to 180 day terms, up to 85% cover, on African cross-border deals.

Sound Familiar?

You've got the order. A distributor in Zambia, a project in the DRC, a retailer in Mozambique, a manufacturer in Kenya. They want 60 or 90-day terms. You'd say yes — but your insurer won't cover the country. The limit gets capped. The territory gets declined. Nobody wants the African exposure. The deal is real, the buyer is solid, but the cover isn't there.

So you quote cash upfront. The buyer goes to a competitor who'll carry the risk.

And you lose the deal you should have won.

Africa's trade finance gap exceeds $100 billion (AfDB, 2024). Most cross-border deals don't fail because of bad credit. They fail because SA insurers won't cover the country. We work with underwriters who will.

What Happens When You Send Us the Deal

  1. 1

    You Send Us the Order

    Forward the buyer details and credit terms required. We come back within 48 hours.

  2. 2

    We Cover Your Buyer

    We assess the buyer and put cover in place. If they don't pay, up to 85% of what you're owed is covered. Terms from 30 to 180 days.

  3. 3

    You Offer Terms

    With the cover in place, you give your buyer 30 to 180-day terms. You trade with confidence because the risk isn't yours.

  4. 4

    The Order Ships

    Your client gets supplied. You trade with confidence. The deal closes.

Our underwriter panel covers African countries SA insurers cap or decline

Two Ways to Get the Deal Done

OPTION A

Fund It Yourself

You're already giving terms. This just makes sure you get paid. Extend 30 to 180-day credit to your buyer knowing that if they don't pay, the insurer covers up to 85% of the loss.

  • You control the deal. No funder approval delays
  • If the buyer defaults, you're covered up to 85%
  • Your bank sees insured debtors, not open risk
  • You can do more deals without increasing your exposure
  • Deal structuring handled for you

You keep the margin · Your bank says yes

OPTION B

Use a Third-Party Funder

Don't want to wait for payment? We connect you with a funder who pays you upfront on delivery. The buyer pays the funder over the agreed term. You're out of the loop and onto the next deal.

  • You get paid upfront on delivery
  • The buyer's payment risk is off your hands entirely
  • No cash flow waiting. You move on to the next order
  • Deal introduction and structuring handled for you

Zero risk · Immediate payment

Adam Franklin

adam@insightflowgroup.com +27 82 389 1600

Exporting into Africa? Let's get the deal covered.

Insightflow (Pty) Ltd · Authorised Financial Services Provider (FSP 46090)