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Trade Credit Report 2025

The balancing act: How UK businesses are fuelling growth and navigating risk in uncertain times

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05/05/2025 · 2 minute read

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

In a climate defined by economic uncertainty, regulatory change, and rising costs, UK businesses are under increasing pressure to maintain growth while managing financial risk. From inflation and high interest rates to shifting employer obligations, today’s challenges are reshaping how organisations are approaching cashflow, credit management, and risk resilience.

To uncover how businesses are navigating these conditions, we surveyed 500 finance directors and 500 sales leaders across a range of sectors. The findings from this research are compiled in our latest Trade Credit report, titled: The balancing act: How UK businesses are fuelling growth and navigating risk in uncertain times.

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.

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.

Key themes

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 prioritising 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.

Our people

Ian Leslie

Managing Director, Trade Credit UK, Credit Specialties, Marsh Specialty

  • United Kingdom

Robert Butler

Head of Sales, Trade Credit UK, Credit Specialties, Marsh Specialty

  • United Kingdom

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