Credit Pulse + Trade Confidence

Credit Pulse, an AI-powered credit risk platform, has partnered with Trade Confidence, a trade credit insurance brokerage and AR consultancy, to help mid-market B2B companies better manage receivables risk while unlocking working capital.

The partnership brings together two functions that have historically operated in silos: credit decisioning and trade credit insurance. The result is a more connected approach to managing risk, improving cash flow, and supporting sales growth.

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Why Credit Pulse + Trade Confidence

Most companies treat credit management and trade credit insurance as separate workflows. Credit teams assess risk and set limits. Insurance brokers structure policies without regard for how the credit team assesses risk.That disconnect leaves money on the table.

Companies with strong credit operations are lower risk to insure. When that is visible to underwriters, it can lead to better coverage terms, higher limits, and lower premiums. But in practice, credit teams and brokers rarely collaborate closely enough to capture that value.

“When your credit process and your insurance policy are designed to work together, the entire operation becomes more efficient and more defensible.”

— Jordan Esbin, CEO & Founder of Credit Pulse

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Who This Matters For

This partnership is most beneficial for B2B companies that are:

• Carrying trade credit insurance but unsure if it reflects their actual risk profile
• Credit teams struggling with capturing adequate information to approve time sensitive credit limit requests
• Extending credit with limited visibility into portfolio risk
• Constrained by conservative credit limits that slow down sales
• Managing customer concentration risk across a small number of large accounts
• Operating under asset-based lending facilities tied to receivables quality

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Benefits of the Combined Approach

Stronger Financial Outcomes

Lower insurance premiums. Companies that can demonstrate disciplined credit policies and real-time monitoring often qualify for more competitive pricing. In many cases, that translates into premium reductions in the 20 to 30 percent range.

"If you want the underwriter to go outside their pricing algorithm, you need to give them a reason. What better reason than procedures that show exactly how this company manages credit? That is what moves the number by 20 to 30 percent."

— Mike McDermott, President & Founder of Trade Confidence

Improved borrowing capacity. Insured receivables typically advance at higher rates under asset-based lending structures. That difference can materially increase available working capital without changing the underlying business.

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Better Operational Leverage

Faster, policy-backed decisions. With real-time data and structured decisioning, credit teams can approve more accounts internally without relying on insurer workflows. That reduces delays and removes friction from the sales process.

Room to grow with less risk. Insurance coverage allows credit teams to confidently extend higher limits to strong customers, resolving the constant tension between sales and credit.

Stability on key accounts. Trade Confidence structures policies that support non-cancellable limits where needed, reducing exposure to mid-term coverage changes that can disrupt operations.

Access to a broader insurer market. This partnership expands access to a broader set of insurers better suited for companies with strong internal credit teams and more complex needs.

"Most companies only access three insurers because the other twelve do not have the infrastructure to make every credit decision for you. Credit Pulse is what makes you worth underwriting."

— Mike McDermott, President & Founder of Trade Confidence

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About Trade Confidence

Trade Confidence is a trade credit insurance brokerage and AR consultancy founded by Mike McDermott. With access to more than 15 insurers, the firm focuses on structuring policies for companies that want to actively manage credit rather than outsource it.
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About Credit Pulse

Credit Pulse is a modern credit risk intelligence platform built for B2B finance teams. From onboarding and fraud checks to real-time monitoring and policy-based decisioning, the platform helps companies approve customers faster, reduce bad debt, and operate with more confidence across their portfolio.