Reduce your exposure
to client non-payment.
Bring client credit checks, overdue invoice monitoring and credit control into the funding workflow, with bad debt protection for eligible invoices.
Decide early. Monitor exposure. Cover the downside.
Protect brings credit decisions, monitoring, credit control and bad debt protection into the same workflow as your funding. It helps you consider client risk before you commit and keep track of exposure as the work continues.
Instant Credit
Know what you can fund before the opportunity slows down. A fast in-platform check on whether Sonovate can support a new client or placement.
- Fast fundability check
- Indicative limits up front
- Fewer dead ends before you commit
Bad debt protection
Cover for eligible invoice value if a client defaults, so you can explore larger and newer clients with the downside considered.
- Protection for eligible invoices
- Cover, conditions and eligibility explained by our team
- Discuss the accounts you want to take on
Aged debt monitoring
Know which debt needs attention before it becomes a problem. Overdue invoices grouped by age so teams act on the right ones first.
- Overdue exposure, grouped by age
- Prioritise what needs chasing
- No spreadsheet tracking
Credit control
A people-first approach to keeping payments moving. An in-house Sonovate team chases invoices and resolves disputes on your behalf, or you keep the chase in-house with the platform behind you.
- In-house team chases for you
- Or run it yourself with platform structure (customer-managed credit control)
- Professional handling that protects your client relationships
Risk handled at every stage, not just at the end.
Shared client and invoice information helps your team follow risk from the initial assessment through to payment and overdue debt.
Decide
Instant Credit shows if a client is fundable.
Fund
The invoice funds against covered risk.
Monitor
Aged debt monitoring flags overdue exposure early.
Chase
Credit control keeps payments moving.
Protect
Bad debt protection for eligible invoices if a client defaults.
Pursue bigger clients with a clearer view of risk.
Bad debt protection covers eligible invoice value against client default, alongside client credit checks, overdue invoice monitoring and credit control. Talk to us about the cover available for your invoices.
"Jack and the team were absolutely brilliant, with us every step of the way. We are an SME and used Sonovate for our first venture into contract. Top service and highly recommend."
What CFOs and compliance leads ask.
How much of an invoice is protected?
Bad debt protection covers eligible invoice value if a client defaults. Our team will explain the level of cover available to you, the conditions that apply and whether it is part of your service or an option.
Can I check a new client before committing?
Yes. Instant Credit gives a fast in-platform view of whether Sonovate can support a new client or placement, with indicative limits, before you spend operational time.
Do I have to hand credit control to Sonovate?
No. You can use Sonovate's in-house credit control team, or keep the chase in-house with customer-managed credit control and use the platform for visibility, evidence and structure.
How is overdue debt tracked?
Aged debt monitoring groups overdue invoices by age so your team can prioritise the ones that need action first.
Take a closer look at your client exposure.
Talk to us about credit checks, credit control and the bad debt protection available for your invoices.