Credit Protection Program
You ship the product. You bill the retailer. You collect as usual. If they don’t pay – we do. No loans. No liens. No disruption.
The Risk You Are Carrying Right Now
Every invoice you extend to a retailer is an unsecured bet on their ability to pay. One bankruptcy – one failed chain – can wipe out months of margin. Most suppliers carry this risk with no protection at all.
of bad debt losses come from buyers with no prior warning signs
avg. recovery for trade creditors after a retail Chapter 11
How Does Credit Protection Factoring Work?
Submit your
invoices
Send us the invoices you want covered. We approve the buyer’s credit and set a limit – usually within 24 hours.
Keep billing and collecting
Nothing changes for your customers. You invoice and collect exactly as today. We hold the credit risk invisibly in the background
If they don’t pay,
we do
On approved invoices, if the buyer fails to pay due to insolvency or protracted default – TFC funds you in full. We pursue the receivable
What TFC Credit Protection Gives You
- Completely confidential
Your customers never know. You keep your billing, your AR team, and your customer relationships exactly as they are today.
- No loans, no liens
This is not a credit facility. There is nothing on your balance sheet. You pay a small fee, and we hold the credit risk.
- Priced like coverage, not financing
Ultra-low fees – competitive with commercial credit insurance, without the insurance complexity.
- Backed by TFC’s furniture credit expertise
We underwrite furniture retail buyers every day. Our credit limits are faster and more accurate than generic trade credit products.
Clear terms. Real people. Actual support.
Simple funding solutions crafted around genuine human relationships.
WHO QUALIFIES
- Furniture manufacturers, importers, and distributors
- Suppliers selling on net terms to furniture retailers
- Annual revenue of $100k or more in trade receivables
- U.S. based operations with domestic buyer exposure
WHAT WE COVER
- Buyer insolvency, bankruptcy, and Chapter 11 filing
- Protracted default - non-payment past agreed terms
- All approved invoices up to the buyer’s credit limit
- Disputes, chargebacks, and returns are not covered
