With businesses under pressure in these lockdown times, the challenge is to find new and innovative ways to improve liquidity and cash flow. Landlords are facing a potential rental disaster with tenants unable to make their monthly rentals while also facing the potential of shutting...

Due to the direct and indirect implications that the COVID-19 virus could have on businesses in South Africa, we would like to draw attention to all Credit Insurance Policy Holders. ADVERSE INFORMATION You must notify The Insurer (or Apio) without undue delay of the occurrence of...

Somthemba Makinana, Guarantees and Credit specialist at Apio, looks at bank guarantees versus insurance guarantees in the current climate. Industries, especially construction, mining, fuel, logistics and renewable energy, functioned differently when it came to risk when we had not only a stable economy but also a...

Apio’s Francis Kingston talks about why credit insurance is worth considering in an unpredictable economy, and the benefits it offers business owners with a debtor’s book. Any business that sells on credit has a debtor’s book that could range between one and 10 000 debtors – clients...