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    Having or showing an accurate and deep understanding; perceptive
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    Develop or be the first to use or apply
    (a new method, area of knowledge, or activity)
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    Not readily relinquishing a position, principle,
    or course of action; determined
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    Winner 2016, 2015
    & Finalist 2014
    Chartered Institute of Credit Management
    Credit Insurance Broker of the Year

About Us

Your profit from your sales ledger


An Insightful, Pioneering, Tenacious Trade Credit Broker.

More about us


Our global reach now extends to 70 offices in 40 countries to help support growth of our clients overseas.

Our Global Partners

ICBA Website

News & Media

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Products and Services

Insightful Pioneering Tenacious

Trade Credit Insurance


Analysis of Risk and Compliance

Business Finance

Sureties and Bonds


Place a debt

Trade Secure

Introducing increased payment certainty

Company Information Reports



Unedited feedback from some of our clients

One of my best decisions for 2013 was appointing EFCIS as our insurance broker.

I can now confidently say on behalf of our company that you have exceeded all our expectations and consistently delivered a far superior service compared to what we had been accustomed to in recent years.

EFCIS have not only helped grow our business but have also increased the value of our business.

EFCIS in their capacity as the ICBA have helped us to grow our overseas business in markets where we would not have previously traded without their support.

We work very closely with our broker and have a very strong relationship. The broker's knowledge of credit insurance helps to ensure peace of mind for our business.

Meet the Management Team

Andy Moylan


Andy is one of the UK’s most influential and respected credit insurance practitioners. He has played an active role in establishing best practise for this sector and his expertise is frequently sought by global brands. Andy began his career at one of the UK’s largest credit insurers. After working at a senior level for several broking houses he established EFCIS in 2000. His aim was to build a team that would offer a service to clients that was “far and above the service being offered by the traditional credit insurance broker.” As the sole UK founding member of the ICBA Andy is proud that “As a team we have the capability to place global credit insurance programmes with a local service with 70 offices in 38 countries."

Louise Garden

Founding Director

Louise was instrumental in setting up EFCIS in 2000 and is responsible for servicing clients, supported by an able team of specialist Brokers. Louise has built a reputation for being a powerhouse of knowledge. She has an unerring eye for detail and is renowned for ensuring that EFCIS clients meet the conditions of their policy from cradle to grave. In the field of trade credit insurance, Louise is regarded by her peers as a key person of influence.

Danielle Cousins

Director, Bexley Office

Danielle has been working in the insurance industry since 2000. She joined Euler Hermes UK Plc in 2002 and rose swiftly through the claims department to a senior level. In 2005 she moved to the account management function. In 2009, Danielle was made a senior account manager of the major account team. She brings a wealth of experience and technical knowledge to EFCIS. Danielle is a high achiever and has won many awards.

Richard Antipas

Director of Non-Regulated Business

Richard is responsible for the credit management, debt recovery and legal services provided by EFCIS and its panel law firms. Graduating from Birmingham City University with a 2:1 Honours Degree in Law Richard became a member of the Institute of Credit Management in 2006 and a Fellow of The Association of Credit Professionals in 2012. Richard and his team specialise in full service whole life cycle commercial credit and risk management, ledger management, dispute resolution, recoveries and collections and litigation.

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Contact Us

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Head Office

The Office, Mill House Farm, Mill Street

Hastingwood, Essex, CM17 9JF

+44 (0)1279 437662