Tinubu · Trade Credit

The operating platform built for Trade Credit insurance

Manage buyer risk, credit limits, exposure, policies, claims and recoveries in one platform. AI structures incoming information, prepares files for decisions and surfaces the risks that need underwriter attention.

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25

years in credit insurance

14

carrier customers

~$1B

premium processed a year

500

active buyers in our largest customer environment

30

countries and 8 languages in that same environment

5

continents where our customers operate

Why now

Exposure grew. Premium did not.

ICISA members reported approximately $3.5 trillion in exposure in 2024, up 7.5%, while premium fell 0.6%.
work-sits-in-buyers

The work sits in buyers, not in policies

One customer manages 500k buyers and 650k credit limits behind just 3,000 insureds. Policy counts hide the real operating load.
hardest-decisions-slowest

The hardest decisions are the slowest

Automation falls as exposure rises. The decisions requiring the most judgement also take the longest to resolve.
cover-extended-further

Exposure keeps moving after cover is granted

Buyer health, payment experience and portfolio concentrations change throughout the policy term. The limit decision is only the beginning.

Exposure and premium figures: ICISA, 2024 data.

AI IN CREDIT UNDERWRITING

AI does the work around the decision. You keep the decision.

In this line the hard part is not reading a document. It is producing a limit decision that can be reconstructed months later, when the insured appeals it or a claim tests it.
read

Read

Submissions, supporting documents, amendments and claims notifications are read and turned into structured information.
complete

Complete

Missing material is identified and requested before the file reaches an underwriter, rather than after.
qualify

Qualify

The submission is assessed against the appetite you configured, and the file is prepared for review with the relevant data already pulled.
prioritise

Prioritise

External information, payment experience, claims data and portfolio exposure are combined to surface the buyers that need attention.

You set the dial

Appetite, authority, automation thresholds and escalation triggers are your risk strategy expressed through the platform. We help configure and calibrate them. You decide what clears automatically and what a person sees.

    Every decision can be reconstructed

    Inputs, data sources, rule or model version, authority and execution path are retained, so a past decision can be reproduced and explained under appeal, claim review or supervisory examination.
      PROVEN RESULTS

      Five proven customer outcomes

      Every figure below states the business it covers and the period it was measured over.
      1/5

      Grow new market segment

      Private insurer Global
      50% of overall growth from the new segment, in 24 months

      Enter a new geography

      Private insurer North America
      25% of total new business came from the new geography after two years, with broker familiarity carried through the portal.

      Reduce time to bind

      EXPORT CREDIT AGENCY North America
      10 min submission to bind, down from around 15 days, on eligible limit decisioning and pricing.

      Launch a new product

      PRIVATE INSURER GLOBAL
      1 month to launch a standard product in a new region, managed alongside the rest of the book.

      Manage double-digit growth

      MGA Europe
      8 figures of GWP delivered in three years, with presence in five or more countries after five.
      BUILD, ADAPT OR BUY

      The useful question is what you are asked to configure

      Every platform in this market is configurable. They differ in how much of credit insurance you have to define before you can configure anything that reflects how you compete.
      BUILD IN-HOUSE
      P&C PLATFORM
      TINUBU TRADE CREDIT
      What you configure first
      BUILD IN-HOUSE Everything, starting with the credit domain itself: how limits work, how buyer groups aggregate, what happens when a limit is withdrawn mid-term, how premium follows declared turnover.
      P&C PLATFORM The credit domain has to be constructed on a general core before appetite can be configured. Much of the implementation time and risk sits in that work.
      TINUBU TRADE CREDIT Appetite, authority, scoring, automation thresholds, products, workflows, pricing and distribution. The credit foundation is already in the platform.
      Time to value
      BUILD IN-HOUSE Longest path, and the design is yours from the start. Reasonable where the operating model itself is the differentiator.
      P&C PLATFORM Faster than building. Credit-specific mechanics are often handled with workarounds around a P&C-shaped core.
      TINUBU TRADE CREDIT Five launches documented in under nine months, one of them under six.
      Credit depth
      BUILD IN-HOUSE Exactly what you design, and yours to maintain as the line evolves.
      P&C PLATFORM Turnover declarations and buyer-group aggregation are specific to this line and generally not provided by general policy administration systems.
      TINUBU TRADE CREDIT Buyers, limits, buyer groups, aggregation, declarations, claims and recoveries are part of the underlying model.
      Risk expertise
      BUILD IN-HOUSE Your own analysts and data relationships, recruited and retained by you.
      P&C PLATFORM Software, without an in-house credit underwriting function behind it.
      TINUBU TRADE CREDIT A platform with 15 credit analysts, a proprietary scoring model and 160+ countries of coverage available alongside it.
      PROVEN DELIVERY

      A set path from workshop to hypercare

      Definition, configuration, rollout and support, with progress visible every two weeks.
      1. Scope the programme INITIALIZE
        Credit insurance specialists and Tinubu platform experts scope products, distribution, policy lifecycle, risk and claims together.
      2. Iterate with live demos CONFIGURE
        Agile sprints with a working demo every two weeks. Scoring and appetite rules are tested against your own historical data before go-live.
      3. Deploy around your calendar DEPLOY & TRAIN

        Prioritised rollout aligned to your business calendar, with training for underwriters, risk, operations and claims.

      4. Stay embedded after go-live HYPERCARE
        A named customer success team stays embedded until your team is running on its own.
      • 350k buyers migrated from six legacy systems onto one platform, in phases.
      • 500k buyers live on day one, across more than 30 countries and eight languages.

      Built for credit insurers, not adapted to them

      For credit insurers, export credit agencies, MGAs and new entrants, and multiline carriers launching or scaling a Trade Credit business.

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