Factoring Insurance

We insure receivables acquired by a factor. We have years of experience in working with factoring companies - both banks and factors from outside of the banking sector. We offer insurance of both export factoring and domestic factoring.

Who is eligible

Factoring companies (including banks) acquiring export and/or domestic receivables from their customers.


  1. Protect receivables purchased from your customers against commercial risk, and in the case of export receivables also political risk.
  2. Offer your customers non-recourse factoring, where KUKE assumes the risk of buyer’s default.
  3. You will work with a credit insurance company who has many years of experience in covering export transactions, including transactions carried out on high-risk markets.

Free up cash frozen in unpaid invoices and improve your company's financial liquidity.

  • Offer longer payment terms to your customers without hurting your company’s liquidity.
  • Save time and let the factoring company handle managing and collecting payments from customers.
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Eligibility criteria

  • We cover commercial risk, namely bankruptcy of the buyer (debtor), or a delay in payment of receivables (for more than 90 days). In case of export factoring, the scope of cover also extends to political risk, i.e. a situation where the buyer has not settled his obligations as a result of the decision made by the authorities in the buyer’s country, or a change in legal provisions in the buyer’s country.
  • We cover undisputed receivables only.
  • We cover receivables purchased by a factor arising from sales of goods or services, payable within two years in case of export sales, and within one year in case of domestic sales.
  • Receivables must be purchased by the factor before their due date, but no later than 30 days from the date the invoice was issued.

Our solutions

Do you have trouble selecting the right solution for your business? Contact us!
Our consultant will help you choose the right package of solutions to support your company's foreign expansion.

News and insights

Over the past 30 years, thousands of Polish companies* have benefited from our solutions enabling safe growth of their business in Poland and worldwide.
*from small family businesses, through medium-sized companies to the largest international corporations