HÖRTKORN CREDIT
Trade Credit Insurance Specialists – Serving Small and Medium-Sized Enterprises to Large Corporations
Protect your business from bad debt and manage credit risks with the utmost precision.
As specialized credit insurance brokers, we offer both domestic and global companies tailored solutions to safeguard their liquidity. We combine global market expertise with personalized advice tailored to your industry’s specific needs — flexible, farsighted, and based on partnership.
We protect businesses before risks arise.
As specialists in credit insurance, we help companies protect their receivables, projects, and business relationships in a sustainable way. Our solutions range from traditional trade credit insurance and customized coverage plans to credit monitoring and professional receivables management.
Especially in international markets or with larger projects, payment defaults can have significant economic consequences. With customized protection solutions, we help identify risks early on, protect receivables, and build stable business relationships.
International Solutions.
As a credit insurance broker, we draw on international markets and leading insurers. This enables us to develop a solution for every company that is precisely tailored to its business model, markets, and risk structure.
Our consulting services don’t start with the insurance product itself. Together, we analyze your business processes, accounts receivable structures, and international activities to develop a customized risk management strategy. This results in solutions that reduce risks, secure liquidity, and enable sustainable growth.
Your protection throughout the entire value chain
We think ahead—and start early. Your protection doesn’t begin with delivery. Even before your first transaction, we minimize risks, optimize your accounts receivable management, and safeguard your liquidity. That’s how we support you throughout your entire value chain—from the initial idea to successful payment.
BEFORE THE JOB
Credit Checks on Your Business Partners
Reliable credit information forms the basis for sound business decisions. We help you identify risks early on and evaluate your customer base transparently.
Fidelity Insurance
Protect your business from financial losses caused by intentional acts of employees or third parties. This way, you safeguard your assets before any damage occurs.
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→ Fidelity Insurance
Guarantees
Guarantees build trust and secure contractual obligations even before a project begins. We help you select the right solutions for your specific needs.
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→ Rental Deposit Insurance
DURING PRODUCTION
Purchasing of Intermediate Goods
Financial risks arise as early as the purchasing stage due to upfront payments and dependence on suppliers. We help you manage these risks in a structured way and keep your supply chain stable.
Advance Payments to Suppliers
Advance payments tie up liquidity and carry default risks. With the right hedging solutions, you can protect your advance payments and secure your project foundation.
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→ Rental Deposit Insurance
→ Trade Credit Insurance
Manufacturing Costs
Production often involves significant upfront costs. We help you protect these investments against non-payment and minimize financial risks.
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→ Trade Credit Insurance
→ Capital Goods Credit Insurance
Credit Monitoring for Your Customers
Creditworthiness changes constantly. With ongoing monitoring, you stay informed at all times and can respond to risks early on.
DELIVERY & INVOICING
Hedging Against Economic and Political Risks
Economic and political risks can affect payment collection, especially in international business. We help you hedge against these risks in a targeted manner and reliably protect your receivables.
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→ Trade Credit Insurance
→ Capital Goods Credit Insurance
→ Rental Deposit Insurance
Credit Monitoring for Your Customers
Transparency remains crucial even after a contract is signed. By continuously monitoring your customers’ creditworthiness, you can identify changes early on and respond in a timely manner.
Selling Your Receivables
By strategically selling receivables, you can immediately free up liquidity and actively manage your balance sheet structure. We support you in selecting suitable financing solutions.
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→ Alternative Financing
AFTER THE SALE
Collecting Your Receivables
If payments are overdue, we’ll help you enforce your claims in a professional and structured manner—both domestically and internationally.
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→ Debt Collection
Insolvency / Late Payment
If a receivable goes bad, the right insurance solutions ensure that your business remains financially protected and that losses are compensated.
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→ Trade Credit Insurance
Your Benefits with Hörtkorn Credit
Personalized Support and Expert Guidance
You’ll benefit from dedicated points of contact and ongoing, expert advice.
Reducing Bad Debts and Risks
Through early risk analysis and targeted risk mitigation, payment defaults are minimized and financial risks are kept under control.
Relieving the Burden on Internal Resources in Credit Management
We take on complex tasks so your teams can focus on their core business.
Early Transparency on Creditworthiness and Risks
Up-to-date information enables well-informed decisions and proactive action.
Ensuring Liquidity and Planning Certainty
Stable cash inflows ensure liquidity and increase the reliability of your financial planning.
Flexible solutions instead of rigid standard products
Our concepts are tailored to your business model and can be customized.
Integration into Existing Systems and Processes
Our solutions integrate seamlessly into your existing system landscape and support efficient workflows.
Credit Insurance
Protecting Your Receivables Against Default Risks
Credit Management
Protecting Your Receivables Against Default Risks
