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‘Secured & Insured’ is our flagship lending service. Secured & Insured loans are secured against a company’s Accounts Receivable (AR), the money owed for the goods and services the business delivers to its customers. The ARs are insured against late or non-payment by Coface, a leading provider of credit insurance and debt recovery services. All Borrowers must take out credit insurance before being approved for a Secured & Insured loan. Our partnership with Coface allows our Credit Team to leverage Coface's analysis of both the Borrower and the creditworthiness of their customers, thereby providing a secondary level of approval.

Secured & Insured loans are secured with a first all-assets charge, registered at Companies House, over the borrowing company. This means we have the first call on the company’s assets, on behalf of Lenders, if the Borrower defaults. We perfect this with a Controlled bank account into which payments from the Borrower’s customers flow that is exclusively under ArchOver’s control. Except in the event of insolvency proceedings, the Controlled account is cleared each day to the Borrower.