Corporate credit management.

Many companies discover they have a receivables problem only when it is too late. Structured credit management — from customer assessment to the reminder procedure — reduces bad debts, shortens collection times and frees up resources for the business.

I work with the owner and the finance team to build a simple system, proportionate to the size of the company, that works even without me.

Who it is for

SMEs and professional firms that want to reduce bad debts and average collection days; growing companies starting to work with new customers; businesses that have suffered credit losses and want to prevent a repeat; foreign companies selling to Italian customers.

What it includes

• Assessment of new customers' reliability (registry extracts, financial statements, protests, references) and definition of credit limits
• Review of contracts, general terms, payment terms and protective clauses (interest, retention of title, jurisdiction)
• Invoicing and reminder procedure: who does what, when and in what tone
• Receivables schedule and monitoring with indicators (DSO, ageing, concentration)
• Management of current unpaid items and orderly transfer to the recovery phase
• Assessment of guarantee and financing tools (credit insurance, factoring, invoice advances)
• Training of administrative staff and periodic support

How we work

1. Check-up — I analyse the receivables portfolio, contracts and current procedures.
2. Design — we define rules, tools and responsibilities, in proportion to the structure.
3. Implementation — I support the finance team in launching the system.
4. Monitoring — periodic review of indicators and intervention on unpaid items.

Useful documents

For the first analysis, whatever you have available is enough. Typically useful:

• List of open receivables with due dates (exported from the ERP)
• Contracts and general terms of sale in use
• Invoice, reminder and standard correspondence templates
• Recent financial statements or management accounts

Frequently asked questions