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Proof of Funds Messages
Trade Finance & Guarantees

Proof of Funds Messages

A bank-verified message confirming a buyer has funds available to complete a transaction, giving sellers confidence before proceeding.

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  • Bank-verified confirmation of available funds
  • Issued ahead of a proposed transaction, not as a payment itself
  • Used to demonstrate credibility before detailed negotiation
  • Coordinated with your bank's messaging procedures

Every policy has exclusions. These are the ones clients ask about most for this type of cover. Exact terms always depend on the insurer and your specific policy wording.

  • Use as a substitute for an actual payment or binding guarantee
  • Funds not genuinely available at the time the message is issued
  • Transactions unrelated to the one the message was issued for

Who This Is For

Buyers who need to demonstrate financial capacity before a seller will commit time to a transaction.

Good to Know

A POF message is evidence of funds, not a payment or a guarantee. It's usually a first step, not the final instrument in a deal.

A Quick Example

A buyer needed to prove financial capacity before a seller would proceed with detailed negotiations. A POF message gave the seller the confidence to continue.

Why Place This Through Transeuropa

What you gain by arranging this cover through a broker instead of buying it direct.

Several Quotes, One Conversation

We approach the insurers on our panel that write this class of cover and bring their terms back side by side.

Wording Checked Before You Sign

We read the limits, excesses and exclusions for you, so nothing in the small print catches you out later.

An Advocate at Claims Time

If you need to claim, we deal with the insurer on your behalf and push for a fair, prompt settlement.

How to Get This Cover

Four steps from your first question to confirmed cover.

1

Share the Details

Answer a few questions online or by phone so we understand exactly what needs protecting.

2

We Approach the Market

Your broker goes to the insurers best suited to this type of risk and negotiates the terms.

3

Compare and Decide

You receive a clear summary of price, cover and exclusions for each option, with our recommendation.

4

Confirmed in Writing

Once you accept, we arrange the policy and send your schedule and documents the same day.

Documents You'll Need

Trade contract or purchase order, company financials, and details of the counterparty the instrument is issued to.

Renewals & Mid-Term Changes

We re-shop the market ahead of every renewal rather than letting this policy auto-renew at whatever price the insurer sets, and update your cover if your circumstances change mid-term.

Cover FAQs

Quick answers about placing this cover with us. For broker-wide questions, see our main FAQ.

No. Asking about this cover starts a conversation with a broker. Nothing is bound and no payment is taken until you've reviewed real options and told us to go ahead.

For most personal policies, cover can start the day you accept the quote. Business cover and trade finance instruments usually take a few working days while the insurer or bank completes its checks.

Tell us and we'll point you to a better-suited policy from across our panel, or build something bespoke if your risk doesn't fit a standard product.

Ready to Compare Cover?

Tell us what you need and we'll come back with real options from our panel, with no obligation to switch.