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Trade Credit Risk Report 2025

The Balancing Act: How UK Businesses Are Fuelling Growth and Navigating Risk in Uncertain Times

Learn how other businesses are navigating challenges and positioning themselves for future success in the UK.

05/05/2025 · 2 minute read

The current climate is defined by economic uncertainty, regulatory change, and rising costs. UK businesses are under increasing pressure to maintain growth while managing financial risk. Businesses are facing inflation and high interest rates as well as shifting employer obligations. These challenges are reshaping how organisations approach a number of factors. These include: cash flow; credit management; and risk resilience.

To gain a deeper understanding of these dynamics we conducted an investigation. We surveyed 500 finance directors and 500 sales leaders across various sectors. The aim was to uncover how businesses are navigating these conditions. The findings from this research are compiled in our latest Trade Credit Report.

Key findings

The report highlights five critical themes that emerged from our research:

  1. Growth in a Challenging Economic and Regulatory Environment. Businesses are finding it increasingly difficult to grow in the current economic climate. Many are reporting significant challenges over the past year.
  2. Risk Management and Credit Vigilance. Companies are adapting their strategies to enhance credit vigilance. They are implementing stricter assessments and risk monitoring practices to mitigate potential losses.
  3. The Competitive Landscape. Understanding the competitive dynamics is essential for businesses aiming to thrive amidst market fluctuations and increased competition.
  4. Future Outlook. Despite anticipated pressures on cash flow, businesses remain cautiously optimistic about future growth. This is particularly true for those with robust trade credit insurance policies.
  5. The Importance of Trade Credit. While many businesses are prioritizing trade credit as a tool for growth, this often comes at the cost of increased exposure to credit risk. Trade credit insurance is emerging as a key enabler. It provides businesses with the reassurance they need to thrive in an uncertain economic environment.

Why read the report?

  • Informed decision-making. Equip yourself with insights that can guide your strategic decisions.
  • Understanding market trends. Stay ahead of the curve by understanding the latest trends and challenges in trade credit.
  • Enhanced risk management. Discover effective strategies for managing credit risk and improving cash flow.
  • Optimistic growth strategies. Learn how other businesses are navigating challenges and positioning themselves for future success.

Download the report

We invite you to download the Trade Credit Report to explore these findings in detail and gain a deeper understanding of the current landscape.

For further inquiries or to discuss the report's implications for your business, please contact us.

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