Capital Trade Credit Solutions Pty Ltd

21/04/2026

The new year data reinforces that this elevated cycle is continuing. While January in fact dipped below the average momentum then rebuilt quickly. February rose to 1,260 appointments against an average of 809, and March remained elevated at 1,306 compared to 953. Rather than easing after December, activity has pushed higher again, continuing to track well above historical norms.

For now, conditions continue to point to an environment where insolvency levels remain structurally higher than what we’ve been accustomed to over the past eight years.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au

02/03/2026

Over the past six months, insolvency appointments have continued to run well above the eight year historical average, reinforcing just how elevated the current environment is. What is particularly notable is the December result.

Ordinarily, we see a seasonal slowdown in appointments as businesses and courts wind down for the year, which typically produces a dip in the monthly data. Instead, this year insolvencies lifted into December, moving further away from the long-term average rather than easing back toward it. That shift tells us the pressure in the system is not simply cyclical or timing related. It reflects a continuation of genuinely higher levels of business stress, with insolvency activity tracking at levels that remain materially stronger than what we have seen, on average, over the past eight years.

The long-awaited return to normal seems a while away yet.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au

27/11/2025

Steady cash flow comes from simple habits: clear rules, tidy files, early action.

See risks early, keep variations tight, and follow the same steps every time.

Keep it simple — cash moves faster.

Read our article on Getting Paid in Construction below:
www.capitaltcs.com.au/getting-paid-in-construction/

Get paid on time in construction with clear rules, tidy paperwork, and smart credit habits. Simple routines beat end-of-month chaos.

27/11/2025

In September, 1,104 businesses entered external administration. Pleasingly there wasn’t a bounce back to the highs of the previous months but they are still well above the long-term monthly average of 827.

Economic uncertainty and ongoing financial pressures continue to weigh on many businesses.

This highlights why solid risk management practices are essential, especially when trading conditions are this unpredictable. In periods of uncertainty, trade credit insurance plays a practical role in protecting receivables, stabilising cash flow, and giving businesses the assurance they need to continue operating with clarity and confidence.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au

27/11/2025

Getting paid in construction isn’t about luck — it’s about habits.

Clear rules. Clean paperwork. Early action.

🧾 Know who’s paying & keep files tight
📏 Set credit limits and adjust when risk shifts
✍️ Variations agreed before work starts
⚠️ Act early when payments slow

It's not more admin — it’s how you avoid firefights and keep cash moving.

Read full article below:

Get paid on time in construction with clear rules, tidy paperwork, and smart credit habits. Simple routines beat end-of-month chaos.

26/09/2025

In August, 1,090 businesses entered external administration - still above the long-term monthly average of 827.33 but the first noticeable downturn towards the average we have seen in a long time.

Fingers crossed it’s at least started heading back towards what we might consider normal although I think it’s probably to early to state that as a fact just yet. The importance of robust risk management strategies remain very important indeed. The outlook is uncertain and in uncertain time, trade credit insurance remains the ultimate tool for protecting receivables, supporting cash flow, and enabling businesses to trade with confidence.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au

28/08/2025

In June FY25, 1,309 businesses entered external administration—virtually unchanged from May’s 1,308. This marks another month of exceptionally high insolvency volumes, continuing a trend that has defined FY25 as one of the most challenging years for Australian businesses in recent history.

With monthly figures consistently exceeding 1,200 since the start of FY25, the data highlights the ongoing financial strain across sectors and the unpredictable nature of the current economic landscape.

In this environment, trade credit insurance remains a vital tool. It helps businesses manage risk, protect cash flow, and trade with confidence despite volatility.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au

03/08/2025

5 Things to Check So Your Claim Doesn’t Get Knocked Back

We’ve just started working with a new client who came over from another broker. A couple of years ago, they’d taken a big hit with a retention loss. They didn’t want to go through that again, so they bought a trade credit insurance policy. That was a good choice. Credit insurance can be tricky when you’re new to it. There are lots of moving parts and it’s not always obvious what’s included. This client assumed that because they’d clearly said retentions were their biggest concern, the policy would cover them. A reasonable assumption, I think. The problem was, retentions cover doesn’t come standard with every model as it were … and their broker never asked for it despite it being the clear and obvious motivation for them to consider it in the first place. It was offered by the insurer with only a small increase to the premium, but it wasn’t asked for. They found that out when another loss was incurred and once more they were left with a large chunk of money tied up in retentions and no cover.

If you’re running a business, you’ve already got a hundred things to deal with and think about and you’re not an expert in credit insurance. But there are a few key things you do need to keep an eye on to make sure you’re protected:

1️⃣ Trading with the right entity – Make sure the name on your invoices — and the ABN/ACN — matches the legal entity listed in your policy. A mismatch here can wipe out a claim.
2️⃣ Payment terms – Do they match your policy? If your customers are on 60 days but the policy says 30 days EOM, you could be outside cover without realising.
3️⃣ Pre-delivery / Retentions cover – If these risks are relevant to your business, make sure they’re included. They don’t come standard with every policy.
4️⃣ Reporting overdue accounts – Policies usually require you to notify the insurer once a payment is overdue by a set number of days. Missing this is one of the top reasons claims get declined.
5️⃣ Adequate cover – Whether you have an endorsed limit or you’re trading under your discretionary limit, make sure your exposures stay within those limits.

Reach out to us today!

03/08/2025

In May FY25, 1,308 businesses entered external administration for the first time—more than double the five-year average of 611.0, and higher than May FY24’s 1,249.

Although slightly down from April’s 1,225, the figures remain significantly elevated, suggesting that financial stress across the economy is far from easing. Expectations of a slowdown following March’s peak have not materialized, reinforcing the unpredictable nature of current market conditions.

In this environment, trade credit insurance continues to be a vital tool for businesses. It helps safeguard against payment defaults, supports cash flow, and enables companies to trade with confidence despite ongoing volatility.
As FY25 draws to a close, resilience and risk management remain top priorities for businesses navigating uncertain terrain.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au

17/06/2025

Why You Should Choose Only One Broker for Trade Credit Insurance

It might feel counterintuitive, especially when getting multiple quotes is usually smart business. But in the credit insurance market, it works against you.

There are only five insurers in Australia offering credit insurance. When multiple brokers approach them on your behalf, it creates confusion, stalls negotiations, and weakens your position.

The best move? Pick a broker you trust. Let them tell your story and negotiate the best outcome.

This applies even if it’s not us.

👉 Read the full post here https://www.capitaltcs.com.au/why-you-should-choose-only-one-broker/

27/05/2025

In April FY25, 1,225 businesses entered external administration for the first time—more than double the five-year average of 578.3 and well above April FY24’s 606.

While this marks a modest decline from March’s 1,447 insolvencies, the numbers remain alarmingly elevated. Many had hoped March would represent a peak, but April’s figures suggest that financial stress is still widespread and persistent.

This continuation—despite expectations of a slowdown—highlights just how unpredictable the current economic environment remains. For many businesses, the pressure hasn’t eased; it’s simply evolving.

In such conditions, trade credit insurance plays a vital role in helping businesses manage risk, protect cash flow, and trade with confidence. It’s not just about protection—it’s about resilience.

For more information, reach out to Capital Trade Credit Solutions today! www.capitaltcs.com.au