Hello, we’re Hokodo

We believe the design and distribution of financial products has been broken for a long time. And we’re on a journey to fix it!

Hokodo was founded to make B2B trade easier and safer."

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Hokodo works with wholesalers, online B2B marketplaces and other merchants to make selling to business buyers easier. Unlike consumers, businesses generally expect to pay on credit terms. To manage this risk, sellers traditionally resort to paper-based trading account applications and manual credit decisions.



Hokodo streamlines this whole process, allowing sellers to make credit decisions in real time when the customer reaches the check-out. We protect the seller by insuring the credit risk with Lloyd’s of London, and we arrange the financing so our sellers can get paid upfront if they choose.

Our digital platform combines instant credit assessments and fully automated limits management, all served up via APIs in less than 1 second.

Our ambition is simple: to shape the insurance of tomorrow

We are a team of financial experts, technologists and data scientists, coming together to make insurance and financing solutions more accessible to end-customers.

Meet the entire team

Louis Carbonnier
Co-Founder and Co-CEO
Sami Ben Hatit
Co-Founder and CTO
Richard Thornton
Co-Founder and Co-CEO

Protect B2B trade and make life better for SMEs

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Keep it simple

We believe in simplicity. Business owners don’t have time to read small print, so our products are designed to be simple to understand.

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Be passionate, be brave, be determined

We are entrepreneurial and we’ll do what it takes to build the insurance of tomorrow. Fast.

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Embrace new technology

We have seen first hand how modern technology, data, analytics and automation can deliver a customer experience that is light years ahead of what most SMEs experience today.

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Our people are what makes us

Hokodo people come from all over the world, with diverse backgrounds but they all are passionate, driven and contrarian enough to think they can disrupt an industry that has resisted change for 200 years.

Change the future of insurance. Save businesses. Join Hokodo.

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Do you want to work in a rapidly growing startup where you can make a real impact? The future of insurance relies on the brightest minds and the biggest hearts. Our people come from all over the world, they all believe in our mission to reinvent our industry. Join Hokodo and be part of the team building tomorrow's insurance.

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