Building financial resilience
How UK SMEs can strengthen their position in 2025
UK SMEs are facing a growing financial vulnerability - in a year marked by rising costs, supply chain challenges, and evolving risks, financial resilience has become a top priority for UK businesses. But how prepared are SMEs to absorb unexpected shocks — and what strategies are proving most effective?
The Resilience Gap Report 2025, commissioned by Atradius UK, examines the widening gap between the risks businesses face and the financial buffers they rely on — whether through emergency cash reserves or tools such as trade credit insurance.
Download report
What the report reveals:
UK firms lost an average of £226,000 to risk events last year — equivalent to three-quarters of their emergency cash reserves
Businesses that self-insure often face costs 700% higher than the price of a trade credit insurance premium
Many SMEs are relying on short-term fixes, but there are smarter, more sustainable ways to protect liquidity and support growth
Whether you're focused on building stronger cash cushions or exploring insurance options, this report offers practical insights to help you benchmark your position, understand sector trends, and make informed decisions for the year ahead.
What we offer
Find out more about Atradius
What is trade credit insurance?
Trade credit insurance from Atradius is a straightforward, cost-effective and flexible way to ensure you get paid for goods and services you supply within the United Kingdom and abroad.
Empowering businesses since 1925
We’re a world leader in credit insurance and debt collection, with a reputation built on excellent customer service. We continuously invest in the latest market intelligence...
Commercial debt collection is part of the policy
In addition to covering up to a maximum of 95% of bad debts, our debt collections service is an integral part of your policy....
Monitor your portfolio with Atradius Insights
Atradius Insights is a sophisticated online analysis tool which can also be accessed via Atradius Atrium. Developed in close collaboration with our customers, it’s designed to help you easily...