Benefits AR Fund

Protecting Members from Bad Debt

The Accounts Receivable Insurance Fund (AR Fund) is a self-financed program created by GLN to protect members against bad debts, insolvencies, and non-payment.

Why the AR Fund Matters

GLN’s Accounts Receivable Insurance Fund is a member-owned safety net that protects participating companies against bad debts between GLN partners.

By contributing a small annual fee,
members gain access to coverage of up to

$50,000 USD

per qualifying incident, giving them the confidence to grow new business without fearing non-payment.

Trade Confidently Inside GLN

In global freight forwarding, even one unpaid invoice can damage cash flow and long-term relationships. The AR Fund reduces this risk by backing member-to-member transactions with an extra layer of financial protection. It allows GLN members to:

Take on new partners inside the network with greater confidence.

Protect working capital from unexpected defaults or insolvencies.

Offer better credit terms to key customers, knowing the network stands behind them.

Key Benefits for Participating Members

Coverage up to USD 50,000

Protection for qualifying bad debts between GLN members, per incident.

Member-Owned & Ring-Fenced

AR Fund contributions belong to the participating members and are held in a dedicated account, separate from GLN membership fees.

No Administration Fee from GLN

Every contribution goes directly to strengthening the fund, GLN does not take a management fee.

Supports Confident Business Growth

Every contribution goes directly to strengthening the fund, GLN does not take a management fee.

Amber Alert Early-Warning System

A structured process to report overdue invoices early and trigger network support before problems escalate.

Clear Rules & Governance

A published rulebook and an experienced Steering Committee ensure fair, transparent handling of claims.

Designed for Bad Debt, Not Operational Errors

The fund focuses on genuine non-payment, complementing your own insurance for cargo loss or service issues.

Exclusive to GLN Participants

Available only to GLN members in good standing who opt into the AR Fund, enhancing the value of network membership.

How the AR Fund Works

Participate in the Fund

Become a GLN member in good standing and enrol in the AR Fund by paying the annual contribution per registered company/entity.

Trade with GLN Partners

Ship and invoice as usual with other GLN members, following agreed network payment terms and documentation standards.

Report Payment Issues Early

If a partner becomes seriously overdue, you file an Amber Alert within the required time frame so GLN can intervene and support resolution.

Submit a Claim if Needed

If the debt proves unrecoverable and all AR Fund conditions are met, the Steering Committee reviews your claim and authorises payment—up to USD 50,000 per incident (or pro-rated if multiple claims arise from the same debtor).

What's Covered — In Plain Language

What the AR Fund Is — and What It Isn’t

The AR Fund is designed to protect you from bad debt between GLN members, not from service mistakes or general commercial risk.

Typically covered:

Unpaid freight and related charges between GLN members.

Bad debts following insolvency, closure, or proven non-payment by a GLN member.

Qualifying debts that have been properly reported via the Amber Alert process and meet the AR Fund rules.

Not covered (examples):

Service failures or operational errors (misrouted cargo, delays, etc.).

Cargo loss or damage, duties, taxes, penalties, or fines.

Shipments involving illegal activities or misdeclaration of cargo.

Invoices related outside (of currently registered) GLN offices

All claims are subject to the Terms and Conditions of the AR Fund, available in the members-only section.

Who Can Participate?

Participation in the AR Fund is available to GLN members in good standing who:

Have signed the GLN membership agreement and AR Fund terms.

Pay the annual AR Fund contribution for each registered legal entity/office they wish to cover.

Follow GLN payment guidelines and Amber Alert timelines when issues arise.

This ensures that all participants share the same commitments and benefit from the same level of protection.

Protect Your Receivables. Strengthen Your Network Business.

Join GLN and participate in the Accounts Receivable Insurance Fund to trade with confidence, knowing that up to USD 50,000 per incident stands behind your member-to-member receivables,

Apply for GLN Membership