Single-invoice insurance platform from GFTM to support factors where policy limits and concentration constraints apply
GFTM (Good For The Money) has announced plans to launch a new single-invoice trade credit insurance platform in Q2 2026, designed to work alongside factoring agents and invoice-finance providers who may already have insurance in place. The platform introduces an intermediary-based model that gives factors an additional insured channel through which customers can be sold to, helping them manage credit limits, concentration exposure and selective debtor risk on individual receivables.
A New Insured Sales Channel That Works Beside Existing Facilities
The platform is not intended to replace existing funding or insurance arrangements. Instead, it allows factoring agents to apply additional protection only where needed, particularly in situations involving new, marginal or higher-risk debtors where existing limits or policy structures may already be at capacity. By operating as a complementary insured channel, the approach gives funders greater flexibility without requiring whole-ledger insurance commitments or changes to current facilities.
Intermediary Structure With Separate Legal Entities for Each Partner
Under the model, transactions selected for cover are routed through a dedicated intermediary structure, with each participating factoring agent operating through its own separate legal entity to increase legal and operational security. The insured receivable for the selected invoice sits within that entity, and in the event of a qualifying default the insured amount is paid into a ring-fenced trust, ensuring funds are protected while normal customer payment flows and facility arrangements remain unchanged.
Supporting Credit Limits, Exposure Management and Concentration Risk
The method is designed to help factoring agents support clients where credit limits, concentration exposure or sector-specific risk might otherwise restrict funding. By creating an additional insured route for selected sales, factors can extend support in controlled situations while maintaining discipline over portfolio-level risk. The solution also provides a mechanism for applying protection on a transaction-by-transaction basis rather than across an entire ledger.
Practical Deployment and Flexible Commercial Terms
GFTM connects to major cloud-accounting platforms and supports rapid onboarding, KYC and insurability assessment, enabling invoice-level cover to be applied at the point of need. Pricing starts at approximately 1% of the invoice value, with no minimum commitment or volume requirement, allowing partners to use the solution selectively and only where it delivers clear commercial value.
“This isn’t about replacing existing facilities or insurance — it’s about giving factoring agents another tool to support their clients where limits or concentration constraints would otherwise restrict funding,” said Jeremy Price, founder of GFTM. “By creating a separate, insured sales channel through the intermediary model, factors can apply protection selectively, while retaining full control of their core funding relationship.”