Unity Trade Credit Broker

What Unity Trade Credit Broker does

Unity Trade Credit Broker Sp. z o.o. is the primary entity of the Unity Brokerage Group (Grupa Brokerska Unity), a privately held Polish insurance and financial brokerage headquartered in Poznań, operating since 2011 under founder and CEO Bartosz Dobecki. The group delivers a multi-line brokerage platform organized around three pillars: trade credit insurance and receivables management (turnover, single-risk, excess of loss, excess liability, and political risk coverage, plus commercial/detective reports and amicable and court debt collection); corporate insurance intermediation across property, liability, D&O, cyber, transport, technical, business interruption, motor, group life, and specialized programs; and financial intermediation spanning factoring (recourse, non-recourse, mixed, secret, and reverse factoring / UFO), leasing, credits and loans, and financial consulting. The underlying business is commission-based intermediation — the company does not underwrite risk itself but earns brokerage commissions on insurance placements and financial products sourced from partner insurers, banks, and factoring companies, with additional fee revenue from commercial reports and debt collection services.

Operations are executed through eight wholly-owned subsidiaries (Unity Broker, Unity Trade Broker, Unity Finanse, Unity Faktoring, Unity Services, and three regional entities — Północ, Południe, Wschód), with KNF (Polish Financial Supervision Authority) authorizations held across three core entities. Domestic distribution is built on a multi-region field branch network coordinated by the Corporate Centre in Poznań; international capability is delivered via a strategic partnership with Keystone, a global broker organization with 49 branches worldwide, enabling export-trade-credit programs and cross-border corporate insurance placements. The company integrates with Poland's National e-Invoice System (KSeF) via ERP API connections to streamline invoice data flow for receivables and factoring workflows. Customers are Polish corporations (primary segment), international corporations with Polish operations or export exposure, and contractors/tender participants requiring insurance guarantees — served under bespoke, customized programs rather than standardized pricing.

Name

Unity Trade Credit Broker

Legal name

Unity Trade Credit Broker Sp. z o.o.

Website

https://unitygrupa.pl

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Unity Trade Credit Broker is a privately held Polish insurance and financial brokerage group headquartered in Poznań, delivering trade credit insurance, corporate insurance, factoring, and receivables management services to Polish and international corporations through eight subsidiaries and a Keystone-driven global broker network.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Trade Credit Insurance Brokerage (FSAEADAL)

Keywords

• Trade credit insurance
• Corporate insurance brokerage
• Factoring services
• Debt collection services
• Insurance intermediation

Headquarters

HQ city

Poznan

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Intermediation: Brokerage commissions for intermediation in concluding property and personal insurance agreements, including trade credit insurance, corporate insurance programs, and insurance guarantees.
2. Financial Intermediation: Commissions from financial intermediation including factoring, leasing, credits, loans, and reverse factoring services offered in partnership with banks and factoring companies.
3. Receivables Management Services: Services including commercial reports, detective reports, amicable debt collection, court debt collection, and debt sale facilitation.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Unity Trade Credit Broker is a Polish insurance and financial brokerage group that intermediates trade credit insurance, corporate insurance programs (property, liability, D&O, cyber, transport, technical), factoring, leasing, credits/loans, debt collection, and commercial intelligence reports. The company earns commissions by placing these products with Polish and international insurers and financial institutions, coordinating programs through field branches in Western, Eastern, Northern, and Southern Poland and through the Keystone international broker network for cross-border coverage.

Product overview

Unity Trade Credit Broker is a brokerage group offering a comprehensive insurance and finance services platform. The core offering centers on Trade Credit Insurance (including Turnover Insurance, Single Risk, Excess of Loss, Excess Liability, and Political Risk sub-products) combined with complementary services including Commercial and Detective Reports, Amicable and Court Debt Collection, Debt Sales, Training, and Consulting. The finance division provides Factoring (recourse, non-recourse, mixed, and secret factoring), Reverse Factoring (UFO), Leasing, Credits and Loans, and Financial Consulting. The corporate insurance arm covers Property, Third Party Liability, Professional Liability, D&O, Cyber Risks, Transport Risks, Technical Insurance, Business Interruption, Motor Vehicle, Group Life Insurance, Insurance Guarantees, and Specialized Programs. The company integrates with KSeF (Poland's National e-Invoice System) via ERP API connections.

Differentiator

Problem solved

Functional benefit

Brands

• Unity Broker: Specialist company focused on Assets and Guarantees insurance products.
• Unity Trade Broker
• Unity Finance

Products and services

• Trade Credit Insurance Insurance product covering property losses resulting from sales made within deferred payment periods. Protects against chronic default and legally established insolvency of debtors; includes Turnover Insurance, Single Risk, Excess of Loss, Excess Liability, and Political Risk variants. Targeted at corporate buyers managing B2B receivables.
• Commercial Reports Source of commercial information on Polish companies including financial data, payment morality, capital links, and credibility recommendations. Used by corporate clients to assess counterparty risk.
• Detective Reports Business intelligence reports verifying document authenticity, assessing entity assets, market position, reliability in business relations, and seeking debtor assets. Targeted at corporate clients needing due diligence.
• Amicable Debt Collection Pre-court debt collection involving direct contact with debtors, negotiation of repayment terms, and field debt collector network cooperation. Service for corporate clients recovering receivables.
• Court and Enforcement Debt Collection Professional management of debt recovery at court and enforcement stages, cooperating with law firms and bailiff networks. Targeted at corporate clients needing formal debt recovery.
• Sale of Debt Trade credit intermediation services including comprehensive assessment of debt sale possibilities, collection of market offers, and recommendation of most advantageous options. Used by corporate clients to dispose of distressed receivables.
• Trainings Training programs covering insurance procedures, anti-fraud training, amicable debt collection, and customer reliability selection analysis. Targeted at corporate client staff.
• Risk Management Consulting Risk management consulting including optimization, building, and modernization of processes based on best market practices in insurance and finance. Targeted at corporate clients.
• Factoring Financial service intermediating the purchase of undue receivables by specialized factoring companies, including recourse, non-recourse, mixed, and secret factoring types. Targeted at corporate clients needing working capital.
• Reverse Factoring / UFO Reverse factoring agreement allowing debtors to pay overdue liabilities and creditors to recover cash from overdue invoices; provides debt spreading and liquidity improvement for both parties. Targeted at corporate clients in supply chains.
• Leasing Leasing intermediation covering operational, financial, and returnable leasing options for vehicles and machinery. Targeted at corporate clients financing equipment.
• Credits and Loans Assistance in obtaining financing for new investments and current operations through bank or loan institution selection. Targeted at corporate clients needing debt financing.
• Financial Consulting General financial consulting including agreement audits, financial standing analysis, needs identification, capital raising documentation, and negotiation support. Targeted at corporate clients.
• Property Insurance Insurance coverage for property damage caused by fire, natural disasters, and all-risk property insurance. Targeted at corporate clients insuring physical assets.
• Third Party Liability Insurance General third party liability insurance transferring the financial burden of an insured company's liability for damages caused to third parties. Targeted at corporate clients.
• Professional Liability Insurance Civil liability insurance for damages resulting from specified professional activities, with customizable coverage for professional entities. Targeted at corporate clients in professional services.
• Directors & Officers (D&O) Insurance D&O insurance protecting company, governing body members, and employees against claims related to their functions, covering legal defense costs and damages. Targeted at corporate boards and executives.
• Cyber Risks Insurance Insurance against cyber risks including business interruption from system failure, data restoration costs, confidential information theft, and GDPR penalties. Targeted at corporate clients.
• Transport Risks Insurance Insurance for transport companies covering carrier/forwarder third party liability, property in carriage (CARGO), and optimization of transport-related insurance programs. Targeted at corporate transport clients.
• Technical Insurance Technical insurance including machinery damage (MB), construction machinery insurance (CPM), and construction/erection all risk insurance (CAR/EAR/ALOP). Targeted at industrial and construction corporate clients.
• Product Withdrawal Insurance Insurance covering costs of product withdrawal from market, crisis management specialists, disposal costs, and sales restoration efforts. Targeted at manufacturing and consumer goods corporate clients.
• Business Interruption Insurance Insurance covering loss of gross insurance profit within indemnity period, supplementing property insurance for business continuity. Targeted at corporate clients.
• Motor Vehicle Insurance Fleet insurance programs covering third party liability, comprehensive coverage (Auto Casco), and accompanying lines including legal protection, assistance, and accident insurance. Targeted at corporate fleet clients.
• Group Life Insurance and Employee Benefits Group life insurance and employee benefit programs complementing social security, with professional tender for life and health insurance. Targeted at corporate employers.
• Insurance Guarantees Insurance guarantees providing cash benefit if guarantee applicant fails to fulfill obligation, dedicated to entrepreneurs performing contracts and participating in tenders. Targeted at corporate contractors.
• Specialized Insurance Programs Specialized insurance products for institutional entities or professional groups with solutions unattainable outside such groups in terms of price and risk coverage scope. Targeted at institutions and professional associations.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• KeystonecoreStrategic or Co-development PartnerInternational broker organization with 49 branches worldwide providing international cooperation for Unity Group's clients. Enables comprehensive assessment of export transaction risks and development of unique insurance and financial programs tailored to conditions on export markets.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Credendo: European trade credit insurer with Belgian roots operating across multiple CEE markets. Competes with Unity in trade credit insurance placement for European mid-market corporates, often in conjunction with factoring services.
• Bibby Financial Services: International factoring and invoice finance provider with operations in Poland. Direct competitor to Unity Faktoring and Unity Finanse in recourse and non-recourse factoring services, particularly for SME clients.
• Atradius: Major global trade credit insurer operating in Poland through Atradius Polska. Direct competitor in placing trade credit insurance policies for Polish and international corporates, and a comparable mid-market focus on Polish exporters.
• Coface: One of the world's largest trade credit insurers with direct operations in Poland (Coface Poland Credit Management Services Sp. z o.o.). Competes directly with Unity in trade credit insurance placement, factoring, and commercial information services, and is also a former employer of Unity's senior management (Krzysztof Rakociński).
• Euler Hermes / Allianz Trade: Global market leader in trade credit insurance and Unity's primary competitor in Poland. Multiple Unity senior managers previously held senior positions at Towarzystwo Ubezpieczeń Euler Hermes S.A. (Polish entity), competing head-to-head on corporate trade credit programs and broker relationships.

Broad incumbents

• Aon Poland: Global insurance and reinsurance broker with significant Polish operations. Competes with Unity in the corporate insurance segment (property, liability, D&O, cyber) and offers broader risk management and HR consulting services beyond Unity's specialization.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions company with Polish corporate insurance brokerage operations. Competes in mid-market and large-corporate insurance placement, talent/employee benefits, and risk advisory.
• Marsh Poland: Part of Marsh McLennan, one of the world's largest insurance brokers. Operates a Polish office placing corporate insurance programs across all major lines, overlapping directly with Unity Broker's general corporate insurance portfolio.

Regional players

• KUKE (Korporacja Ubezpieczeń Kredytów Eksportowych): Polish state-owned export credit insurer specializing in trade credit insurance for Polish exporters. Overlaps with Unity's Political Risk Insurance and export-related trade credit products; Łukasz Barański previously held a director role at KUKE's Wrocław office.
• PragmaGO: Polish fintech focused on factoring and receivables financing for SMEs. Competes with Unity Faktoring in the Polish factoring market, particularly in tech-enabled invoice discounting and SME working-capital solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/unitybroker
• LinkedInlinkedin.com/company/unitygrupa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unity Trade Credit Broker