Today in most branches of the manufacturer does not supply products directly to end customers, and works through distributors. So, what about check my credit rating? Most sales are made on the terms of commercial loans - with deferred payment. Providing commercial loans, it is important not only to determine the time of its maturity and to assess the buyer's solvency, but also to calculate the allowable credit limit. This would require to make your own credit rating of your distributors, as well as to evaluate their cash flows.
In general, the procedure for granting of commercial loans the company does not differ from the methods used by banks when working with their clients. Employees of financial services is estimated creditworthiness of the buyer (distributor), the maximum amount of supplies on credit (credit limits), the period of repayment and interest for the loan.
However, unlike banks in the enterprises often do not have a clear approach to assessing the solvency of the buyer and the credit limit. As a rule, the possibility to deliver a deferred payment and the amount determined by expert employees on the basis of experience with this or any other debtor, as well as taking into account the prevailing conditions in the market, or a tool for managing accounts receivable is not used at all. The result - the emergence of overdue and uncollectible receivables, slowing sales growth, liquidity problems, overstock warehouse distributors and the companies whose shares are traded on stock markets, the risk of revision of earnings.
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Check my credit rating 
