Protect your invoices

With Hokodo you can check your customers' credit score, select the invoices you want to insure and get paid in time - regardless of whether your customers pay or not.

Providing peace of mind by protecting our invoices against non-payment

We know cashflow probably keeps you up at night. Late payment of invoices is one of the leading causes of small business failure across Europe.

Although the insurance industry has developed some products to address this problem, these solutions are cumbersome and economically unavailable to small and medium sized businesses. Not anymore thanks to Hokodo.

Our ambition is to bring you peace of mind and give you visibility over your cash. With Invoice Protection, you now have a simple solution against the risk of non-payment.

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Always get paid

Get paid, even if your customer doesn't pay you

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No commitment

No fixed fee, you only pay for what you use

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No more chasing

No chasing overdue invoices: if your client isn't paying, then we'll take care of the debt collection

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So easy to purchase

No forms, no intermediary. Protection is just a few clicks away

Insurance couldn't be simpler

Select which invoices you want to protect

You can protect a single invoice, or multiple invoices. It’s up to you

Get paid at least 90% of your invoice value

Even if collections are unsuccessful, we’ll pay you back 90% of what your customer owes you

Get covered in seconds

Buying cover with Hokodo couldn't be simpler. For invoices under £20,000, we'll get you protected in under 30 seconds

Rock solid backing

Our policies are backed by Lloyd’s of London, the world’s specialist insurance market, so you can be sure your claim will be paid

"Hokodo brings a simple solution to one of the biggest pains for small businesses. Everybody should be aware that Hokodo's invoice protection is the silver bullet against late or non-payments."

Guy Pearson

We believe in a new way of doing business

Hokodo wins €2M Horizon 2020 grant from the European Innovation CouncilHokodo wins €2M Horizon 2020 grant from the European Innovation Council

Awarded to Hokodo's Paris office, the funds will help us roll-out our ground-breaking technology-led financial services to help protect B2B trade across Europe – including invoice protection insurance and our best-in-class credit algorithm, Hokoscore.

Tim Beeson-Jones
Tim Beeson-Jones
How to start a data-driven insurtech…without any dataHow to start a data-driven insurtech…without any data

Data is the new gold, and forward-thinking businesses are in a race to become more data-centric. Even insurance companies are getting on board.

Arnaud Alepee
Arnaud Alepee
Head of Data Science
Why we partner with Centrifuge to launch Hokodo and reinvent trade financeWhy we partner with Centrifuge to launch Hokodo and reinvent trade finance

There is something wrong with the Trade Finance sector. Something that prevents businesses from accessing essential solutions that could fuel their growth.

Louis Carbonnier
Louis Carbonnier
Co-Founder and Co-CEO

Our trusted partners help us to shape the insurance of tomorrow

The insurance products underwritten and distributed using Hokodo’s technology are backed by the Channel Syndicate, a unit of SCOR Global P&C.

The Channel Syndicate is a business unit of and is supported by SCOR Global P&C, the non-life segment of the SCOR Group (a tier 1 and the world’s fifth largest reinsurer, rated AA- by the leading international rating agencies). In 2017, SCOR’s gross written premiums were €14.8bn, of which Property & Casualty comprised approximately €6bn.

For more information visit: and

Scor Channel

Lloyd’s is the world’s specialist insurance and reinsurance market.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.

Visit for more information.


Founded in 2010, Anthemis is a leading venture capital fund, specialized in financial services and focused on reinventing financial services for the 21st century.

The group works with a diverse group of customers and partners (from startups, VCs to financial institutions) to catalyse and accelerate positive and disruptive change across the financial industry. Anthemis is an investor in Impact 25 companies Flock, Insurdata, Hokodo and Qover.

Visit for more information.


Protect my cashflow

Still have questions? Find out more about our Invoice Protection product here, or email us at

Shape the insurance of tomorrow
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