Receivables management. Default-proof and sales-promoting.

External providers deliver valuable information – but their mandate is to secure their own credit insurance. Limits are therefore set primarily to limit insurance risk, not your earnings or growth.
An in-house system uses this data but aligns control with your business model, risk appetite and liquidity.
Naturally, external providers also cost money that can be saved through an in-house system.

Scoring is a rigid calculation from defined metrics and rules – fast, consistent, but without context. Rating combines this scoring with a professional assessment of the situation (business model, market position, securities, history) and records the judgement traceably.
In this project, first a sound score logic emerges, then we clearly define where qualified discretion is permissible.

You primarily need numbers and decision-makers, not a project army: current accounts, open item lists, balance sheet, P&L and existing creditworthiness information.
We work primarily with Management and Finance and involve Sales and Legal where it concerns rules and decision paths – not in endless workshops.

This project deliberately focusses on rating, credit limits, securities and decision rules; operational reminder procedures, enforcement and system implementation remain separately decidable and are not part of the project.
If it emerges during the course that a further mandate makes sense, we can jointly discuss a separate follow-up project based on the results.