Exporting is no longer just an option. For many small and medium-sized businesses, it has become a key lever for finding new growth opportunities. Faced with a sometimes sluggish domestic market, more and more companies are looking beyond their borders. Yet in a context marked by geopolitical tensions, economic volatility and pressure on international trade, expanding sales abroad also means facing greater uncertainty: foreign customers that are harder to assess, longer payment terms, and an increased risk of non-payment.
These risks should not hold back international ambitions, but they do need to be anticipated and managed from the outset. Solutions exist to secure sales and protect cash flow, allowing companies to grow internationally with greater peace of mind.
An international environment that weakens exporters
When a company exports, it is not simply concluding a standard sale with a foreign partner. It is entering an economic and political environment that is constantly shifting and often carries multiple risks that must be addressed. In recent years, global instability has become structural, mechanically increasing the likelihood of defaults among foreign buyers.
This instability stems from several factors that are difficult to control, starting with geopolitical tensions and armed conflicts, which can disrupt supply chains and create situations where the usual mechanisms of international trade no longer apply. More importantly, economic volatility in less familiar regions can directly affect the payment capacity of international customers.
From a distance, anticipation is difficult and risks are often invisible. Energy shocks, rising operating costs, or a sudden downturn in local demand can quickly place a previously solvent client in difficulty. At the international level, warning indicators are harder to identify and interpret.
Beyond negotiating commercial terms, exporters therefore have a strong interest in understanding the economic mechanisms of their target markets and in closely monitoring political and economic developments over time.
Geopolitics in 2026: a build-up of shocks weighing on global trade
The economic effects of the war in Ukraine, while still affecting energy costs and supply chains, have gradually been absorbed by companies and markets. However, the US‑Israeli strikes launched against Iran on 28 February 2026 raise concerns about a new shock with potentially longer-lasting global consequences.
In addition to the historic surge in Brent crude prices, which have remained above $100 per barrel for several weeks, European gas prices jumped by nearly 40% in the early days of the conflict. The blockage of the Strait of Hormuz, whose reopening remains uncertain in the short to medium term, has prompted precautionary measures from many countries and has also led to a sharp rise in operating costs for companies worldwide that depend on these resources.
For exporting companies, which are already facing immediate impacts such as higher production costs or delays in raw material supplies, it is essential to put safeguards in place to protect against the likely default of certain international partners.
Export risks: key warning points for SMEs and very small businesses
Let us provide some clarification on the risks faced by exporting companies: risks that traditional management tools are not designed to fully absorb. Three of them, in particular, deserve special attention:
- Foreign buyer insolvency:
An overseas customer experiencing financial difficulties may suddenly stop paying invoices without prior notice. At the same time, legal, regulatory and cultural distance makes debt recovery significantly more complex. Procedures can prove lengthy, costly and, above all, highly uncertain in terms of outcome. - Structurally longer payment terms:
International trade practices often involve longer payment deadlines than those commonly applied in France. When receivables are not settled on time, cash flow is further weakened and a domino effect can be triggered throughout the entire operating cycle. - Lack of prior information on an unfamiliar prospect:
On the domestic market, a customer is often known over the long term or can at least be subject to administrative and financial checks using established tools. A foreign buyer, however, typically presents opaque financial health, inaccessible payment history and warning signals that remain invisible without access to a network of local experts.
These risks are far from theoretical. They can have an immediate and severe impact on the cash flow of small or medium-sized businesses investing in export relationships. Yet many business leaders still face them without suitable tools, either because they are unaware of available solutions or because they have underestimated their value.
EasyLiner, greater visibility for safer exporting
To address these risks, a solution exists that is specifically designed for small businesses and SMEs: EasyLiner, Coface’s trade credit insurance solution. Its principle is straightforward: enabling small companies to sell on credit, both domestically and internationally, with the assurance that they are protected if a customer defaults.
EasyLiner is built around three complementary pillars:
- Prevention: with EasyLiner, companies can consult Coface and its experts regarding the appropriate credit limit and maximum level of exposure for their prospects and customers, including abroad. This includes a Country Risk Assessment produced by Coface’s economic experts. Businesses also benefit from real-time monitoring of their customers’ financial health, with immediate alerts if a situation deteriorates.
- Debt collection: in the event of declared non-payment, Coface immediately initiates recovery actions, even at international level, while seeking to preserve the commercial relationship. Collection is handled by local experts using procedures tailored to each country.
- Indemnification: if a covered receivable cannot be recovered, Coface quickly compensates the company.
EasyLiner has been designed to be easy and fast to access. Subscription requires a simple exchange with a Coface expert, with no administrative complexity. Once the policy is in place, daily management is handled entirely online via the secure CofaNet Essentials platform. Pricing is flat-rate and includes all services, with no hidden fees.
An additional advantage should be highlighted: insured receivables make it easier to access bank financing.
EasyLiner in brief:
- Available for B2B turnover (up to €5 million)
- Flat, all-inclusive pricing
- Indemnification of up to 90% of the loss on insured receivables
- Coverage for payment terms up to 180 days
- Coverage in Romania and in over 195 countries worldwide
- 100% online contract management after subscription (CofaNet Essentials platform)
- A solution backed by Coface, present in over 100 countries and operating a global network of expertise for more than 80 years.
Managing customer risk abroad: best practices
When exporting, poor control of customer risk can quickly weaken cash flow. Trade credit insurancenaturally complements commercial management. A few simple best practices can help limit the impact:
- Assess customer creditworthiness before selling: abroad, an unfamiliar prospect may conceal financial weaknesses that are difficult to detect remotely. Without reliable information, granting credit often relies on intuition. Drawing on broader expertise helps secure commercial decisions from the very start of the relationship.
- Anticipate late payments and defaults: at export level, payment terms are often longer and remedies more complex. The later the response, the greater the risk of loss. A structured approach protects cash flow and prevents a single customer incident from putting the entire business at risk.
In a world where geopolitical shocks follow one another at an unprecedented pace, uncertainty has become a permanent feature of international trade. This uncertainty should not deter small businesses and SMEs from exporting; rather, it should encourage them to do so with the right tools. The real risk is not exporting, but selling on credit without visibility.
EasyLiner provides a concrete response to this challenge, turning export activity into a controlled growth lever rather than a source of anxiety.
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