Exporters face significant cross-border payment risks including political instability, currency fluctuations, and foreign buyer insolvency—challenges that can derail international sales and impact cash flow. Export credit insurance from providers like Coface, Allianz Trade, and the EXIM Bank provides essential protection for these international transactions, covering up to 95% of non-payment risk. However, if your B2B sales are primarily domestic within the United States, you may be using insurance designed for international risks when what you actually need is immediate working capital and streamlined credit management. For U.S.-based businesses, ResolvePay's B2B Net Terms offers a purpose-built alternative that delivers instant credit decisions, next-day cash advances up to 100%, and built-in accounts receivable automation with competitive, transparent pricing.
International trade introduces complexities that domestic B2B transactions simply don't encounter. While U.S. businesses selling to other American companies deal primarily with credit risk and payment delays, exporters must navigate additional challenges that can significantly impact their bottom line.
Exporters face three primary categories of risk that domestic sellers don't encounter:
These risks compound the already challenging nature of B2B transactions, where payment cycles typically extend 30-180 days. International disputes can be costly and time-consuming to resolve across different legal jurisdictions.
Conventional B2B financing solutions like factoring or lines of credit often have specific requirements when it comes to international receivables. International financing typically involves:
This complexity in traditional financing created demand for specialized export credit insurance solutions designed specifically to address the unique challenges of international trade.
Export credit insurance serves as a safety net for international B2B transactions, providing coverage against non-payment due to both commercial and political risks. This specialized insurance product has become an important tool for businesses expanding into global markets, particularly emerging economies.
Export credit insurance operates by indemnifying exporters against non-payment by foreign buyers. The process typically involves:
Major providers like Coface, Allianz Trade, and Atradius offer comprehensive coverage that includes both commercial risks (buyer insolvency, protracted default) and political risks (war, government actions, currency inconvertibility).
Export credit insurance policies are designed to provide protection against specific international risks. Key features include:
Export credit insurance serves as pure risk protection for international transactions. Businesses using this insurance often maintain separate financing arrangements to address working capital needs during the payment cycle.
Beyond credit and political risks, exporters manage additional operational challenges including currency exposure and extended payment terms. These factors significantly impact cash flow management and financial planning.
Exchange rate volatility creates uncertainty in international transactions. For example, if an exporter agrees to accept payment in Euros but their costs are in U.S. dollars, a weakening Euro between contract signing and payment receipt reduces the dollar value of the transaction. Currency considerations include:
Many exporters address these risks through forward contracts or by pricing in their home currency, each approach having its own considerations and costs.
International B2B transactions typically involve longer payment terms than domestic deals, often extending to 60-180 days compared to standard domestic Net 30 terms. This extended cycle creates working capital considerations:
The combination of currency considerations and extended payment cycles means exporters manage more complex financial operations than their domestic counterparts.
Export credit insurance comes in several forms, each designed for different business needs and risk profiles. Understanding these options helps exporters select appropriate coverage for their specific situations.
EXIM Bank (U.S. Export-Import Bank)
Private Insurers (Coface, Allianz Trade, Atradius)
Single-Buyer Policies
Whole-Turnover Policies
Short-Term vs. Medium-Term Coverage
The choice between these options depends on the exporter's customer concentration, transaction size, risk tolerance, and administrative capacity.
While export credit insurance addresses specific international risks, the majority of U.S. B2B companies sell domestically, where the primary challenges differ fundamentally from international trade.
Domestic B2B transactions operate within a different framework than international sales:
For domestic sellers, the primary operational challenges are:
These domestic challenges require different solutions than those designed for international trade risks.
Businesses focused on domestic U.S. sales benefit from solutions specifically designed for their market realities:
Domestic B2B sellers benefit most from solutions specifically tailored to the U.S. market, addressing cash flow, credit risk, and operational efficiency without the complexity of international coverage.
For U.S.-based B2B businesses, ResolvePay's Net Terms Management delivers a purpose-built solution designed specifically for domestic transactions, transforming net payment terms from a cash flow challenge into a competitive advantage.
ResolvePay uses AI-powered credit assessment to approve buyers in seconds, enabling faster sales cycles:
This speed enables businesses to close deals while buyers are still engaged, supporting sales momentum.
ResolvePay combines multiple capabilities into a single platform designed specifically for U.S. B2B transactions:
This integrated approach creates operational efficiency by consolidating credit assessment, financing, and accounts receivable management.
ResolvePay's core value proposition transforms the traditional B2B payment cycle from a 30-60 day cash flow gap into immediate working capital, while simultaneously providing credit risk protection.
ResolvePay's Better Than Factoring solution provides non-recourse financing that addresses both cash flow and bad debt risk:
This combination of immediate cash and risk protection is specifically designed for the domestic B2B environment.
ResolvePay's credit assessment leverages advanced data analysis for deeper buyer insights:
This proactive risk management approach helps prevent problems before they occur.
ResolvePay's technology platform emphasizes seamless integration and AI-powered automation that eliminates manual processes and reduces administrative overhead.
ResolvePay integrates directly into existing business workflows:
This integration ensures that credit decisions and payment processing happen within existing business systems.
ResolvePay's AI-Powered Accounts Receivable platform automates the entire receivables lifecycle:
This automation transforms accounts receivable into an efficient, scalable operation that supports business growth.
ResolvePay's platform actively drives revenue growth by increasing customer buying power and improving the B2B purchasing experience.
By offering net terms through ResolvePay, businesses can expand their customers' purchasing capacity:
ResolvePay's Resolve for Buyers platform provides customers with dedicated credit lines and 0% interest for 30-60 days, enhancing their purchasing power without additional cost.
ResolvePay provides free business credit checks that support informed decision-making:
This approach treats credit as a relationship-building tool, enabling businesses to grow revenue while managing risk appropriately.
Export credit insurance serves a critical role for businesses engaged in international trade, providing essential protection against political risks, currency fluctuations, and foreign buyer insolvency. For exporters navigating cross-border transactions, this specialized insurance coverage addresses unique challenges that domestic sellers don't face.
However, for the majority of U.S. B2B companies focused on domestic sales, Resolve Pay offers a purpose-built alternative designed specifically for the American market. With over 15,000 businesses already using the platform, Resolve Pay delivers what domestic sellers actually need: instant AI-powered credit decisions, immediate working capital through non-recourse financing with up to 100% advance payment, and comprehensive AR automation—all integrated into a single, easy-to-use platform.
Resolve Pay's strength lies in its focus on solving the real challenges domestic B2B sellers face every day: managing cash flow during standard payment terms, assessing credit risk quickly to support sales velocity, and automating receivables management to reduce administrative overhead. By combining credit assessment, financing, and accounts receivable automation into one seamless solution with competitive pricing, Resolve Pay enables U.S.-based businesses to offer net terms confidently while accelerating cash flow and driving revenue growth.
Trade credit insurance protects exporters against non-payment by foreign buyers due to both commercial risks (insolvency, protracted default) and political risks (war, government actions, currency inconvertibility). Major providers like Coface and Allianz Trade cover up to 95% of receivables, providing essential protection for international transactions. This insurance is designed specifically for businesses facing cross-border payment risks including political instability and currency fluctuations.
For domestic U.S. B2B transactions, ResolvePay provides non-recourse financing with up to 100% advance payment within 1-2 days on approved invoices. The platform uses AI-powered credit assessment to approve buyers in seconds, taking on the credit risk for approved transactions. This approach eliminates both the cash flow gap and bad debt risk simultaneously, with ResolvePay handling credit assessment, credit decisions, and assuming the risk of late payments or defaults on approved invoices.
Yes. ResolvePay transforms the traditional 30-60 day B2B payment cycle into immediate working capital by providing up to 100% advance payment within 1-2 business days on approved invoices. This immediate cash infusion enables businesses to cover operating expenses, accept new orders, and invest in growth without waiting for customer payments. The platform's non-recourse structure means businesses receive their cash while ResolvePay assumes the collection responsibility.
ResolvePay offers native integrations with major e-commerce platforms including Shopify, BigCommerce, Magento, and WooCommerce, enabling seamless checkout credit approval. For accounting systems, the platform provides bi-directional sync with QuickBooks, Oracle, and other major ERP systems. These integrations eliminate manual data entry, can reduce reconciliation time by 14+ hours per week, and ensure real-time synchronization between payment processing and accounting records.
ResolvePay uses AI-powered underwriting that analyzes thousands of data points to generate instant credit decisions, with human oversight from experts formerly at Amazon and PayPal. The platform provides free business credit checks requiring only the customer's business name and address, delivering results within 24 hours. For collections, ResolvePay employs automated AI agents that manage payment reminders and collection processes while maintaining positive customer relationships through professional, branded communication.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.