First Ram

At First Ram, we understand the importance of mitigating corporate credit risk for businesses of all sizes. As a well-established independent credit insurance broker, we specialise in UK and export-generated corporate credit risks, providing a bespoke professional service to businesses ranging from SMEs to PLCs and multinationals.

Our Expertise

With a track record of success, we maintain a business that is focused on engaged and satisfied clients. Our expertise lies in identifying and responding to our clients' requirements in mitigating corporate credit risk, whether generated through UK or overseas transactions. We construct and operate programmes that achieve the correct balance between management, retention, and transfer of risk appropriate to our clients' needs.

Credit Insurance

Credit insurance is a means of providing businesses with vital protection against the non-payment of goods or services supplied as a result of the failure of a customer to meet their payment obligations. Our policies provide both insurance and information, utilising up-to-date financial information analysis beyond that of a status agency. By utilising a credit insurance facility, you will place your business at the leading edge of risk analysis.

Representation as a Credit Risk

Irrespective of the decision to utilise a credit insurance facility, we are able to support our clients as a credit risk. Consistency of supplies, on credit, to most businesses is vital for cash flow. We design and implement programmes to facilitate the distribution of management information, working beyond the financials to ensure that full risk analysis is presented to the underwriting market, based on the sector, micro trends as well as increasingly important factors such as Environmental, Social and Corporate Governance (ESG) data.

Surety Bonds

In a comparable way to the support provided through the representation as a credit risk product, we work beyond the financials to present your surety requirements in a way that increases market appetite and therefore ensures better value for you. Our expertise includes, but is not limited to, the following bonds: performance, advance payment, HMRC, road, sewage, and retention.

Our Team

Our team is highly trained and extremely professional, with a heavy reliance on ability, know-how, and experience. We create strong, business-friendly relationships which underpin our role with clients and our market, ensuring we always deliver the highest levels of service.