Credit Guarantee Insurance Corporation of Africa Limited

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Credit Guarantee Insurance Corporation of Africa Limited An underwriting company that has been excelling in the field of domestic and export credit insurance Credit Guarantee is a licensed FSP and Non-Life Insurer.

An underwriting company that has been excelling in the field of domestic and export credit insurance as well as providing various surety & bond solutions.

03/11/2026

Managing the Revenue Trap

More sales don't always mean more cash. Growth often requires businesses to fund inventory, capacity, and operational costs long before customer payments arrive. A healthy sales pipeline is valuable, but cash flow determines how much growth your business can sustain.

Revenue shows what you've won. Cash flow shows whether you can keep growing.

27/10/2026

An overdue invoice isn't always a problem. A pattern of overdue invoices might be.

Late payment can result from simple administrative delays. But recurring delays, ageing debt and repeated requests for longer terms may signal growing pressure on a customer's cash flow.

The Atradius Payment Practices Barometer 2026 found that 46% of B2B sales across 35 markets are made on credit, underscoring how much businesses finance one another through trade credit.

The real risk isn't a late invoice. It's missing the trend behind it.

21/10/2026

South Africa's biggest trading partner isn't next door. It's China.

According to SARS, China accounted for 23.3% of our imports and 11.4% of our exports in August 2026.

As manufacturing expands across emerging Asia, global supply chains are evolving. But China remains central to many production networks through components, equipment, and raw materials.

For South African businesses, these shifts could create new export opportunities, change import costs, and increase competitive pressure in some sectors.

Understanding global trade trends is no longer optional. They can influence local business performance, customer demand, and growth prospects.

13/10/2026

What does Hormuz have to do with your next unpaid invoice?

More than you might think.

When global trade routes face disruption, the effects can ripple through supply chains, increase operating costs, and place pressure on businesses' cash flow.

For some businesses, that can mean:

• Higher fuel and freight costs
• Tighter margins
• Longer payment cycles
• Increased credit risk

That's why effective credit management requires looking beyond financial statements. Understanding the external pressures affecting customers can help businesses make better-informed credit decisions.

Because today's geopolitical disruption can become tomorrow's payment risk.

CGIC is proud to have attended and sponsored the SARIPA Northern Region Seminar on Insolvency and Business Rescue. As an...
12/10/2026

CGIC is proud to have attended and sponsored the SARIPA Northern Region Seminar on Insolvency and Business Rescue.

As an organisation committed to supporting businesses and promoting a resilient business environment, we recognise the importance of collaboration, knowledge-sharing and meaningful engagement within insolvency and business rescue industry.

The seminar provided a valuable opportunity to connect with industry professionals and engage in discussions on the challenges and opportunities shaping the insolvency and business rescue landscape.

We are honoured to support initiatives that contribute to the advancement of the profession and strengthen collaboration among key industry stakeholders.

Thank you SARIPA and all those involved in organising this insightful event. We look forward to continuing to support initiatives that promote industry excellence and business resilience.

08/10/2026

When global tariffs rise, local credit risk often follows.

Higher import costs can squeeze margins, disrupt supply chains, and place pressure on customers' cash flow. The warning signs may show up as:

• Slower payments
• Requests for longer terms
• Partial payments
• Increased insolvency risk
• Bad debt losses

While businesses can't control global trade policy, they can strengthen their resilience by monitoring customer exposure, reviewing credit limits and staying close to payment trends.

Trade credit insurance can help protect insured receivables against covered non-payment events while providing insights to support informed credit decisions.

In uncertain markets, protecting cash flow is protecting growth.

Seventy years. Countless partnerships. One shared commitment to success. Last week, we had the privilege of celebrating ...
05/10/2026

Seventy years. Countless partnerships. One shared commitment to success.



Last week, we had the privilege of celebrating a remarkable milestone, 70 years of business success with some of our most valued brokers, whose support and collaboration have played a key role in our growth and longevity.

The occasion gave us the chance to reflect on our journey, recognise the relationships that have shaped our success, and celebrate the people who make what we do possible every day.

Thank you to our broker partners for being part of this milestone. We look forward to continuing our journey together for many years to come.

01/10/2026

Trading in an age of disruption

Economic cycles still matter, but disruption has become a constant. Geopolitical tensions, climate events, and technological change can quickly impact costs, demand, and buyer risk across interconnected markets.

Trade credit insurance offers more than financial protection. Through risk intelligence, market insight, and expert assessment, it can help businesses evaluate buyers, identify changing credit risks, and make more informed trading decisions.

29/09/2026

Balancing caution and confidence

Market disruption can create uncertainty long before its full impact is clear. Rising costs, supply chain delays, and economic pressure can affect customers in different ways and at different speeds.

Responding quickly matters, but responding appropriately matters more. Waiting too long may increase exposure to risk, while pulling back too sharply may mean missing viable opportunities.

At CGIC, we combine protection against insured non-payment with market insights, credit risk information, and underwriting expertise to help customers make more informed credit decisions.

25/09/2026

South Africa’s rise in business insolvencies deserves attention, but insolvency is often a lagging indicator.

By the time a business fails, financial pressure may have been building for months. Slower payments, repeated requests for extended payment terms and deteriorating payment behaviour can serve as earlier warning signs of financial strain.

The lesson is not to panic, but to remain vigilant. Disciplined credit management and closer monitoring of customers can help businesses identify emerging risks, manage exposure, and take proactive action before financial distress develops into business failure.

Address

Wanooka Place, St Andrews Road
Sandown
2196

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

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