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Trade Credit Management
Trade credit management is a critical component for businesses that extend payment terms to their customers. In today’s challenging economic climate, effective management of receivables is essential to maintain liquidity, reduce bad debt risks, and ensure overall financial stability. Our service helps companies optimise their credit policies, monitor debtor behaviour, and enforce timely collections to safeguard cash flow and support sustainable growth.
Service Benefits
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Improved cash flowthrough efficient management of customer payments - Reduced risk of bad debts and write-offsby proactive credit control
- Enhanced liquidity planningsupporting operational and strategic decisions
- Better relationships with solvent customersby clear and consistent credit terms
- Increased likelihood of obtaining favourable banking financedue to a healthier balance sheet
- Protection from insolvency riskslinked to delayed payments and customer bankruptcies
Our Trade Credit Management Services
Design and implementation of robust credit policies tailored to your industry and customer profile.
Comprehensive evaluation of your buyers’ financial health to minimise risk exposure.
Ongoing management and adjustment of credit limits to control receivable exposure.
Professional monitoring and collection of overdue accounts with tactful communication strategies.
Facilitation of amicable settlements to recover debts while preserving valuable customer relationships.
Support with trade receivables financing and commercial credit insurance options to safeguard risks.
Regular reports and dashboards to track receivables ageing, collection performance, and risk indicators.
Service Stages
Initial Assessment
Review of your existing credit management processes, debtor portfolio, and credit policy framework.
Policy & Process Development
Tailoring credit policies and collection procedures to your company’s risk appetite and market specifics.
Implementation & Monitoring
Application of credit controls, creditworthiness checks, and regular tracking of receivable accounts.
Active Debt Recovery
Professional handling of overdue payments including reminders, negotiations, and dispute management.
Performance Review & Continuous Improvement
Ongoing analysis of credit management effectiveness and recommendations for process optimisation.
Deliverables
- Enhanced liquidity and predictable cash inflows
- Significant reduction in overdue receivables and bad debt losses
- Stronger negotiating position with customers and financial institutions
- Improved balance sheet quality and credit rating
- Reduced reliance on costly external financing
- Increased operational stability and business resilience
Why Choose Us
- Industry-leading expertisein trade credit risk management and commercial debt collections
- Tailored solutionsthat align with your business model and risk profile
- Membership and partnershipswith recognised industry associations enhancing credibility and standards
- Data-driven approachincorporating analytics and real-time monitoring tools
- Proven track recordsupporting companies across sectors in Russia and internationally
- Confidential, ethical, and customer-sensitive handlingof debt recovery
Case Studies
Client testimonials
Frequently Asked Questions (FAQ)
Q:
Why is trade credit management important for my business?
A:
Around 76% of companies worldwide extend payment terms to customers, exposing themselves to credit risk. Effective trade credit management minimises the risk of non-payment, preserves liquidity, and protects your company’s financial health.
Q:
How do you assess the creditworthiness of our customers?
A:
We use financial analysis, credit bureaus data, payment history, and market intelligence to evaluate the ability and willingness of your buyers to pay on time.
Q:
Can your service help with managing disputes over invoices?
A:
Yes, we facilitate negotiation and dispute resolution to recover debts amicably while maintaining business relationships.
Q:
What industries do you work with?
A:
We serve clients from manufacturing, distribution, retail, services, and more, tailoring approaches to the sector’s specific credit risks.
Q:
How does credit insurance fit into trade credit management?
A:
Credit insurance protects your company against losses from customer insolvency or delayed payments, allowing you to offload risk while maintaining sales flexibility.