One-click cover
Directly in your invoicing software, when sending the invoice.
Coming soon
Your invoices paid,even when your customer does not pay.
Protect an invoice against non-payment in one click, directly in your invoicing software.
Self-employed · Microbusinesses · SMEs · Mid-sized businesses · Large groups
The risk of unpaid invoices is rising in France
68,602
business failures in 2025, a record level.
418,000
applications for payment orders in 2024, up 17% in one year.
53 %
of business leaders have already seen their business threatened by unpaid invoices.
Sources: Banque de France (business failures, 2025); French Ministry of Justice (payment orders, 2024); Payt × Ipsos BVA survey, April 2026 (400 business leaders).
Why protect your invoices
Per-invoice cover, with no subscription.
You choose which invoices to protect, one by one.
Creditworthiness checked
Your customer’s risk level (low, moderate or high) is shown before sending.
100% digital
Cover integrated into your usual tool, with no paper application.
Invoice reimbursed
In the event of non-payment, you are compensated subject to the policy terms.
In 4 steps
From your invoice to your compensation.
I create my invoice
Directly in my usual invoicing software.
I view the score
My customer’s creditworthiness is assessed instantly.
I activate the cover
In one click, when sending the invoice.
I receive compensation
If unpaid, my invoice is reimbursed subject to the policy terms.
Cover or factoring?
Factoring finances your invoices. Elvo cover protects them.
These are two different solutions for two different needs. Elvo does not offer factoring: this comparison helps you identify the solution best suited to your situation.
| Cover or factoring? | Elvo unpaid invoice cover | Factoring |
|---|---|---|
| Purpose | Receive compensation if your customer does not pay (up to 80%*) | Receive payment before the invoice is due |
| Protection against non-payment | Yes, it is the core of the cover | Possible with the “non-recourse” option, generally more expensive |
| Commitment | None: cover invoice by invoice | Generally an overall contract with a term and annual minimum |
| Cost | One premium per protected invoice | Generally a commission (0.5–2.5%), interest and administration fees, depending on the offer |
| Funds held back | None | Generally a reserve of 5–15% of outstanding balances, depending on the offer |
| Customer relationship | Unchanged: no contact with your customer unless the invoice is unpaid | Your customer is generally informed and pays the factor |
| Decision support | Customer risk level displayed before sending the invoice | Customers approved by the factor under the contract |
| Taking out cover | In one click in your invoicing software | Application, assessment and signing a contract |
| Funds available immediately | No: compensation only in the event of non-payment | Yes, this is its main strength |
| Who is it for? | From self-employed professionals to large groups, starting with a single invoice | Mainly businesses with a regular volume of invoices |
*Indicative amounts, subject to change under the final policy terms. Factoring figures are ranges generally observed in the market and vary between offers.
Need cash immediately? Factoring may be a suitable solution.
Need protection against non-payment, invoice by invoice, with no commitment? Elvo cover is for you.
Key points
From 500 € per invoice,
up to 80 % compensation.
Per-invoice cover, with no subscription.
Indicative amounts, subject to change under the final policy terms.
For software publishers
Do you publish invoicing software?
Offer Elvo cover to your users, directly in your tool.
Become a partner- An additional service for your users
- Simple integration to suit your tools
- No risk borne by your platform
- An advantageous business model
Unpaid invoice cover
Let’s discuss your needs.
Our cover
Discover our vehicle return cover — LOA / LLD too.
Your vehicle return and repair costs covered, subject to the policy terms.
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