01
Resolve the exposure structure
Keep the parties, agreements, policies, invoices, and projects connected but distinct.
InsurtechUnderstand the exposure.
Understand the exposure.
Keep financial context connected.
Bring connected financial evidence to trade credit, surety, and premium-finance reviews. Understand the counterparty, contractual obligations, and changing conditions without losing the structure of the underlying exposure.
Explore your segment
CONNECTED EVIDENCECounterparty context connectedSources · relationships · obligations
INSTITUTION REVIEWYour policy. A fuller picture.Findings with supporting evidence
BUILT FOR YOUR SEGMENTDifferent commitments.
Different commitments.
Different questions.
Choose a segment to explore the evidence, financial relationships, and changes that matter to the review. The analytical scope follows the product and the information your institution is permitted to use.
Insurtech / Trade creditRead the trade credit guide
See the buyer behind the receivable.
Connect seller, buyer, invoice, and supplied policy evidence as distinct objects. Review supported aging, buyer concentration, and documented limits without assuming that every invoice is covered.
Bring the evidence together
- Receivables, credits, and payment allocations
- Resolved buyer and group relationships
- Supplied policy limits and exclusions
Keep watching
Collection deterioration and changes in buyer concentration or eligible exposure.
TRADE CREDIT / REVIEW CONTEXTWhere is receivable exposure concentrated, and what do the terms support?
ACROSS THE RELATIONSHIPFrom the first assessment
From the first assessment
to the next review.
02
Assess the financial evidence
Review supported capacity, concentration, obligations, and changes using the relevant contract definitions.
03
Inform the institution’s review
Carry findings and unresolved questions into underwriting or monitoring. Coverage, pricing, claims, and intervention remain with the institution.
INSIGHTS
Understand the assessment.
Bring the agreed evidence snapshot, supported calculations, and findings into a reviewable underwriting context.
Explore underwritingSIGNAL
Follow what changes.
Monitor existing relationships and reassess permitted new evidence against the baseline, with source limitations visible.
Explore monitoringGO DEEPER BY SUBSEGMENTPractical guidance.
Practical guidance.
Grounded in the evidence.
Explore the detailed guides for Canada and the United States, including dated market context, assessment methods, implementation considerations, and source references.
INDUSTRY GUIDE
Trade credit
Where is receivable exposure concentrated, and what do the terms support?
Read guideINDUSTRY GUIDESurety
How does supported operating capacity compare with the commitments?
Read guideINDUSTRY GUIDEPremium finance
Which amounts are owed, potentially recoverable, and actually received?
Read guideDESIGN THE RIGHT SCOPEStart with your product.
Start with your product.
Define a useful review.
Agree the evidence sources, jurisdiction, product definitions, and decision responsibilities before implementation. Test missing information and exceptions as carefully as completed assessments.
Does Amlok administer insurance policies or claims?
These workflows support financial-risk assessment and monitoring. Policy administration, coverage decisions, pricing, claims, and customer intervention remain with the institution.
Can industry averages determine a counterparty’s risk?
No. Market aggregates provide context, not a counterparty-level conclusion. Use authorized evidence and the specific terms of the exposure under review.
How should we interpret market data and examples?
Public market observations provide context, not an Amlok performance claim or a universal approval threshold. Preserve geography, reporting period, product population, and denominator when comparing results. Page illustrations are fictional.
CONTINUOUS RISK INTELLIGENCE
Keep up with riskas fast as it changes
A point-in-time decision does not need to become a blind spot for the life of the deal.
Early signalRevenue trend changed-18% against baseline
Portfolio baseline90 daysContinuously refreshed
Monitoring activeRisk trajectory updatedEvidence attached · team notified