GFTM and Funders
A versatile insurance layer that strengthens funders’ portfolios — without changing the way they work.
Working with funders to secure their money
GFTM provides instant, single-invoice trade credit insurance through an intermediary structure that sits alongside existing factoring arrangements. Our umbrella policy allows individual receivables to be insured on demand, giving funders a flexible way to manage exposure, concentration limits and onboarding risk — particularly where whole-turnover TCI isn’t suitable or available.
How GFTM works with you
How it works with a factoring facility
Concentration & top-up cover on specific debtors or invoices where risk is higher or limits are restricted.
Support for new-to-file debtors — provide funding sooner, with risk protection in place from day one.
Occasional, on-demand insurance with no annual policy, no minimum volumes and no broker overhead.
Embedded credit assessment — instant limits to speed decisions.
Works alongside existing facilities — the intermediary retains the legal receivable; the supplier is paid as normal, and claims are settled into a secure trust.
The supplier delivers goods and invoices as normal.
The receivable is insured on a single-invoice basis via GFTM. GFTM appears as a customer on your ledger, while the underlying sale to the end customer is insured under GFTM.Your facility continues to operate as usual — customer payments still flow to the supplier. If the debtor becomes insolvent, the insurer pays into a ring-fenced trust, protecting proceeds and ensuring clear entitlement.
This gives funders an insurance-enhanced receivable without restructuring facilities or moving to whole-turnover insurance.
Key Benefits for funders
- Reduce downside risk on selected customers or sectors. Improve credit appetite on marginal or new debtors
- Enable higher advance rates by channelling sales through GFTM, which in turn are insured.
- Help overcome concentration issues for your clients by placing sales to the same customer through GFTM under insurance.
- Offer clients a differentiated, value-adding solution rather than declining credit
Who this is for?
Independent factoring and invoice-finance companies
Selective-invoice and ABL funders
Firms seeking flexible, occasional or top-up insurance, rather than whole-turnover solutions
The GFTM platform connects with Xero, Sage and QuickBooks, supports portfolio monitoring, and enables instant insurance selection and execution at invoice level. For larger funders, we can also support API-based or workflow integrations to streamline operational processes.
