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Credit
Credit assessment, policy development, risk frameworks, DSO, and the metrics that matter. Build the knowledge to make sound credit decisions and protect your business from risk.
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New to credit management? Read these first
These three articles give you the essential foundation before exploring the deeper topics.
The C's of Credit and Collections
The foundation of smart credit management: Character, Capacity, Capital, Collateral, and Conditions explained.
Days Sales Outstanding (DSO)
The essential AR metric, what it is, how to calculate it, and what it really tells you about your business.
The Evolution of Credit Policy
From character-based decisions to quantitative governance, how credit policy has evolved and what best practice looks like today.
Featured articles
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Metrics
Best Possible DSO: Your True North Metric
DSO measures velocity. BPDSO measures performance. The difference matters.
Metrics
Weighted Average Days Beyond Terms (WADBT)
The metric that exposes true payment behaviour, and why it tells you more than DSO.
Risk
Credit Utilization Percentage by Customer
Setting a limit is only the beginning. Understanding utilization is where the real insight is.
Process
Measuring Credit Approval Cycle Time
Credit approval speed directly impacts revenue. Here's how to measure and improve it.
Risk
Handling Customer Change of Ownership
Few events introduce more uncertainty. How to protect your position when a customer changes hands.
History
How Credit Management Evolved Through Recessions
Each downturn reshapes the profession. What history tells us about navigating the next one.
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Take your credit knowledge to the next level
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The Handbook
Chapters 1–4 cover the complete credit function, policy, assessment, limits, and terms.
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Credit Module
The Credit Control Academy covers credit assessment and policy in depth.
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