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Featured, Solutions
In this use case you will find :

Why do IT wholesalers need additional capacities?
What are the advantages of Cartan Trade’s solution Top Up products?
How does the Unlock Plus solution work?

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Featured, Solutions

Protecting your business against non-payment is of crucial importance for many companies in Europe. By granting payment terms of 30, 60, 90 days, or even more, depending on the country of export, companies expose themselves to a risk of non-payment that could weigh heavily on their balance sheet. This risk is traditionally covered by a credit-insurance policy.

Credit-insured companies therefore seek to obtain the best possible coverage rate, i.e. the proportion of outstanding covered by their policy. Extended coverage enables them to accelerate their business development: accept a major new order from a prospect, expand their business relationship with a regular customer, cover peaks in activity, or optimize invoice financing to boost their investment capacity.

Being well covered also makes it easier to accept internal risk-taking without having to mobilize significant equity capital… and it also means better compensation in the event of non-payment.

Cartan Trade offers a complementary credit insurance solution to increase the acceptance rate of your outstanding receivables. This “Top up” solution supplements the cover provided by your primary credit insurer, when the latter is unable to provide full coverage of your receivables.

Unlock Plus, the Top up solution from Cartan Trade

All companies already credit-insured, with a turnover in excess of €10 millions, can benefit from the many advantages of Unlock Plus:


Tripling your cover: With Unlock Plus, you can triple the cover obtained on the primary policy, accelerating your commercial development and reinforcing your company’s protection in the event of non-payment. Your primary insurer’s refusals are analyzed and revised on a personalized basis.

Enhanced visibility: You benefit from the insights of our experts, complementary to those of your primary insurer, in managing your risks. This improved visibility on buyers enables you to fine-tune your internal decision-making rules before delivering or accepting new orders.

Dedicated Risk Underwriter : For each credit limit request on your buyers partially covered or refused by the primary insurer, we update and analyze the information on their financial situation, before granting you a cover enabling you to triple the primary limit.

Portfolio monitoring: Cartan Trade closely monitors your buyer portfolio: you are immediately alerted if the financial health of your buyers deteriorates. Regular meetings are also organised with your broker and your dedicated risk underwriter to discuss your strategic issues with your clients.

“When you place your trust in Cartan Trade, you benefit from the sector-specific expertise of a team on a human scale. Each Unlock Plus customer is accompanied by a dedicated risk underwriter who regularly discusses with the financial departments and their broker, to provide concrete solutions to their risk problems, according to Hugo Poinsot, risk underwriter at Cartan Trade. 

Improving coverage without complexity

And because at Cartan Trade we know how important ease of management is to our customers, the Unlock Plus contract has been designed to follow the operation of the primary contract:

Contract conditions are aligned with your primary policie, to make it easier to use your credit insurance solution.

In the event of unpaid invoices, your usual contacts remain unchanged: the collection of overdues remains centralized by the primary insurer.

Cartan Trade compensates you as soon as the primary insurer has paid its indemnity.

Your premium is invoiced on the basis of guaranteed limits, so there’s no need to send us your turnover declaration

With Unlock Plus, everything is clear. “We have developed an innovative contract, with a billing principle as close as possible to our customers’ needs: thanks to our “Pay per Approved Limits” system, insurance premium billing is based on the actual limits issued by Cartan Trade. The budget allocated to the contract is perfectly predictable, so there are no surprises,” explains Vladimir Malenic, Commercial Underwriter at Cartan Trade.

Don’t wait any longer to ask your broker for an Unlock Plus quote! 

It’s easy to get a quote: you send us, via your broker, a list of your buyers to test the coverage of your portfolio.  Our experts analyze the financial health of each company and decide on an amount of coverage per buyer.
We then send you a quote detailing your coverage and the features of your contract. If you agree, your contract is activated in a matter of moments.
You can develop your sales with complete peace of mind!

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2024, Cartan Trade continues its momentum!

Following the opening of a 4th office in the United Kingdom, Cartan Trade is advancing its European expansion by offering innovative solutions to secure your businesses.

The summary of 2023 :

Success of our Top Up products, improving coverage against unpaid bills, now representing 28% of our policies. Continuous growth of our Unlock 360, a contract with numerous options, as well as our Single Risk solution to secure your targeted need!

In an unstable economic environment, Cartan Trade is proud to provide additional guarantees to the market. Currently, we provide over 12 billion of exposure to our clients and prospects.
And more and more of you are placing your trust in us! Thank you to our clients, partners, and Cartan Trade team members. Best wishes for 2024!

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Cartan Trade opens London office  – Matthew Wells, as head of UK & Ireland.

Created at the end of 2021, Cartan Trade is the new credit insurance capacity provider, serving companies of all sizes, both French and European. Attentive to companies’ expectations of transparency, simplicitý and efficiencý of companies, Cartan Trade innovates on the market by offering a perfectly readable products range, whose management is facilitated by a digital path.

On February 15th & 16th, after France, Italy and the Benelux, Cartan Trade, the new credit insurance provider in France and Europe, opened its offices in London and Manchester.
Matthew Wells, head of UK & Ireland, together with the Executive Committee of Cartan Trade (Eric Lenoir , Alice de BremChristophe Pennellier…) officially opened the branch in United Kingdom.
Thank you to the many brokers for the warm welcome and the confidence in Cartan Trade products!




The World Economic Forum is an independent international organization committed to improve the state of the world, by engaging business, political, academic and other leaders of society in order to shape global, regional and industry agendas.

The Global Risks Report 2023 produced by the WEF presents the results of the latest Global Risks Perception Survey (GRPS), and analyses severe, newly emerging and rapidly changing risks that the world is likely to face.

This 18th edition was written in partnership with : Zurich Insurance & Marsh McLennan.



EU inflation showed signs of a further fall across EU Member States in December 2022, due to a mainly fall in energy prices. The Britain’s inflation rate remains high.

Consumer prices rose 10.5 %  in December, the 2nd consecutive monthly decline, thanks to easing gasoline and clothing prices.
UK inflation hits 41-year high of 11.1% in October, as food and energy prices continue to soar.

So policymakers setting interest rates have homed in on domestic signals of inflation to try to assess how persistent higher prices will be, analyzing wage growth and increases in services inflation.

Over the course of a year, the central bank raised interest rates from 0.1 percent to 3.5 percent, and is expected to raise rates again at its next meeting in early February.