Trade Credit & Liquidity Management

APRIL 25, 2025

A company’s ability to extend reasonable credit terms to its customers and collect what is owed promptly has had an increasing impact on revenue and profit. Photo by Rafael Ishkhanyan on Unsplash ) Unfortunately, the Credit Manager’s role is often misperceived by the Sales team. No” of credit management lore.

Credit Management 52

Credit Management Credit and Collections Accounts Receivable (AR) Dashboards 52

Your Virtual Credit Manager

MARCH 4, 2025

To continue reading and learn more about credit policy and the four key elements of credit control, you must be a paid subscriber. Your Virtual Credit Manager is a reader-supported publication. To receive new posts and support my work, please subscribe for just $5 per month ($49 yearly).

Bad Debt 130

Bad Debt Credit and Collections Accounts Receivable (AR) Collector 130

Your Virtual Credit Manager

JANUARY 14, 2025

The Customer Delinquency Challenge Successful accounts receivable (AR) management involves minimizing past due balances to ensure steady cash in-flows and limit bad debt losses. Your Virtual Credit Manager is a reader-supported publication. Do you need help improving cash flow?

Bad Debt 130

Bad Debt Bankruptcy Credit and Collections Accounts Receivable (AR) 130

Your Virtual Credit Manager

APRIL 1, 2025

A high degree of transactional transparency across the entire Order to Cash Process (O2C), coupled with 360-degree visibility of customers and their life-cycles, is necessary to optimize accounts receivable (AR) performance. Too often, customer and AR information is kept in an assortment of data silos.

Credit and Collections 130

Credit and Collections Sales Tax Exemptions Accounts Receivable (AR) Collector 130

Your Virtual Credit Manager

AUGUST 20, 2024

In the face of an economy being buffeted by opposing trends, what should those with credit and collection responsibilities do to protect their organizations’ accounts receivable (AR)? Subscribe now Do you need help assessing customer credit risks? Difficult times call for forward thinking.

Credit Management 130

Credit Management Credit and Collections Accounts Receivable (AR) Bankruptcy 130

Your Virtual Credit Manager

JANUARY 17, 2023

Photo by Alex Radelich on Unsplash When small businesses add customers and increase sales, their company’s Accounts Receivable (AR) will grow. Readers of Your Virtual Credit Manager now have access to sharply discounted business credit reports from D&B, Experian, or Equifax through our partner Accredit.

Credit and Collections 246

Credit and Collections Accounts Receivable (AR) Days Sales Outstanding Past Due Invoices 246

Your Virtual Credit Manager

NOVEMBER 19, 2024

Now that we are past the mid-point of November, the end of the year is zooming into focus. Chances are, there is a lot that needs to be done in terms of accounts receivable (AR) management between now and December 31st, especially if you are short of your Days Sales Outstanding (DSO) goals.

DSO 100

DSO AR Metrics Credit and Collections Accounts Receivable (AR) 100

Your Virtual Credit Manager

SEPTEMBER 3, 2024

billion in annual sales was dissatisfied with the management of its Accounts Receivable (AR). To continue reading and learn how to best prioritize your collection efforts for maximum cashflow you must be a paid subscriber to Your Virtual Credit Manager.

Accounts Receivable (AR) 130

Accounts Receivable (AR) Days Sales Outstanding DSO Credit and Collections 130

Your Virtual Credit Manager

SEPTEMBER 24, 2024

This constant pressure is one of the greatest challenges executives with accounts receivable (AR) responsibilities face—navigating urgent issues while still keeping focused on the strategic goals that drive long-term success. Do you need help assessing your customers’ credit risks?

Accounts Receivable (AR) 130

Accounts Receivable (AR) Credit and Collections Credit Management Default 130

Chaser

OCTOBER 29, 2024

Accounts receivable (AR) is a critical metric that reflects the financial health of a company. A decrease in accounts receivable can be a positive sign of efficient credit management practices, a strong economy, increased sales, efficient inventory management, or favorable payment terms.

Accounts Receivable (AR) 105

Accounts Receivable (AR) Credit Management 105

Your Virtual Credit Manager

JUNE 11, 2024

My first exposure to the power of accounts receivable (AR) automation came in 1990 when I was credit manager at ERICO Fasteners, a mid-market, specialty metals manufacturer. During the 10 years I’d been in business credit, I had never seen anything like it.

AR Automation 130

AR Automation DSO Collector Accounts Receivable (AR) 130

Your Virtual Credit Manager

FEBRUARY 27, 2024

In order for that to happen, everybody needs to be aligned in regard to sales and credit in general and the objectives of the order-to-cash process (O2C) in particular. Are there past due accounts you are trying to collect? The experts at Your Virtual Credit Manager can help you bring in the cash.

Accounts Receivable (AR) 130

Accounts Receivable (AR) Days Sales Outstanding Bad Debt Credit and Collections 130

Your Virtual Credit Manager

APRIL 16, 2024

Market volatility and rising costs are instead disrupting working capital budgets, causing late payments that inflate accounts receivable (AR). Subscribe now Do you need help with Portfolio Monitoring and Analysis or are there Past-Due Accounts you are trying to collect?

Accounts Receivable (AR) 130

Accounts Receivable (AR) Debt Collections Credit and Collections Collector 130

Bectran

JULY 12, 2023

Maintaining an organized credit management system and accounts receivable (AR) department is a major key to success in any B2B company, but it’s particularly so in the construction industry.

Accounts Receivable (AR) 98

Accounts Receivable (AR) Credit Management 98

Gaviti

FEBRUARY 4, 2025

The world of Accounts Receivable (AR) is evolving rapidly. With increased interest rates and inflation, businesses are facing increasing pressure to collect cash faster. Run a Consistent and Robust Credit Process Credit management is the foundation of effective AR.

Average Days Delinquent 59

Average Days Delinquent Credit and Collections AR Metrics DSO 59

Your Virtual Credit Manager

MARCH 21, 2023

Subscribe now Lessons to Be Learned Looked at from the perspective of somebody responsible for the management of a portfolio of accounts receivable (AR), the events surrounding the SVB collapse present a cautionary tale. Any enterprise extending credit to another business needs to have real treasury expertise.

Accounts Receivable (AR) 130

Accounts Receivable (AR) Bankruptcy Bad Debt Credit and Collections 130

Emagia

APRIL 20, 2025

Accounts Receivables (AR) management in a large, multi-brand travel management company presents unique challenges due to the complexity, volume, and global nature of its operations. Ineffective Credit Management: Lack of integrated credit scoring systems leads to poor credit decisions or excessive exposure.

AR Aging 40

AR Aging Accounts Receivable (AR) DSO Credit and Collections 40

Your Virtual Credit Manager

OCTOBER 15, 2024

Over the next couple of years, many more companies are expected to file bankruptcy chapter 7 liquidations, or simply close their doors for good. As a consequence, commercial accounts receivable (AR) portfolios are at an increasing risk of suffering bad debt losses.

Chapter 11 100

Chapter 11 Bad Debt Bankruptcy Accounts Receivable (AR) 100

Your Virtual Credit Manager

JULY 16, 2024

Once an order has been approved and fulfilled, the primary objective in terms of Accounts Receivable (AR) management is getting paid. please take advantage of our July Sale to lock in a subscription to Your Virtual Credit Manager for just $34.99 Do you need help managing credit and collections?

Collector 100

Collector Accounts Receivable (AR) Past Due Invoices Credit and Collections 100

Your Virtual Credit Manager

MAY 28, 2024

That’s why vigilance is an ongoing requirement for anybody charged with accounts receivable (AR) or cash flow management. If your AR is performing at a high level and your cash flow is insufficient, you will need to generate more revenues and/or cut costs.

Accounts Receivable (AR) 100

Accounts Receivable (AR) Past Due Invoices Credit and Collections Collector 100

Your Virtual Credit Manager

FEBRUARY 20, 2024

(Photo by Carlos Muza on Unsplash ) A Framework for Choosing Suitable AR Metrics Businesses should carefully assess their specific needs, objectives, and operating context when selecting metrics for accounts receivable (AR) performance measurement. Calculate the total credit sales made during the same period.

DSO 130

DSO Days Sales Outstanding Credit and Collections Accounts Receivable (AR) 130

Your Virtual Credit Manager

JANUARY 30, 2024

The evolution of Accounts Receivables (AR) automation has revolutionized our collection strategies. Manual collection processes centered on an aged accounts receivable trial balance (ARTB) lack the regimentation and efficiency brought about by automation. What do you need help with?

Credit and Collections 130

Credit and Collections Collector Accounts Receivable (AR) Days Sales Outstanding 130

Your Virtual Credit Manager

FEBRUARY 6, 2024

As a small business owner or executive, managing accounts receivable (AR) and navigating through various credit decisions is an integral part of the job. After all, credit and collections is essential to the performance of your order-to-cash (O2C) process and cash conversion cycle.

Credit and Collections 130

Credit and Collections Accounts Receivable (AR) Bad Debt Credit Risk 130

Your Virtual Credit Manager

JANUARY 2, 2024

Contacting customers to pay past due amounts (collecting) is an essential element of accounts receivable (AR) management. For most firms, late customer payments are a frequent occurrence and collecting them can be a difficult task. As you can see, the positive benefits outweigh any repercussions.

Bad Debt 130

Bad Debt Credit and Collections Accounts Receivable (AR) Credit Management 130

Your Virtual Credit Manager

AUGUST 15, 2023

Photo by Berkeley Communications on Unsplash In all probability, your accounts receivable (AR) portfolio conforms to the 80/20 rule. Pareto’s theorem stipulates that 80 percent of your receivables are concetrated in only 20 percent fo your accounts and vice versa.

Credit and Collections 130

Credit and Collections Accounts Receivable (AR) Credit Management Small Businesses 130

Your Virtual Credit Manager

JANUARY 23, 2024

The experts at Your Virtual Credit Manager are ready to help you improve cash flow and reduce AR risks during these challenging times. We are currently offering 33 percent off our standard small business consulting rates. The credit manager also got a promotion. What do you need help doing?

Credit Application 130

Credit Application Bad Debt Bankruptcy Credit Scoring 130

Your Virtual Credit Manager

SEPTEMBER 10, 2024

Specifically, Credit and Collections is responsible for approving new customers for credit terms and managing orders at the beginning of the O2C cycle, while also monitoring risks within the Accounts Receivable (AR) portfolio and collecting overdue payments, both of which are post-sale activities.

Credit and Collections 130

Credit and Collections DSO Deductions Accounts Receivable (AR) 130

Your Virtual Credit Manager

JANUARY 9, 2024

Then last week we looked at credit hold best practices. From a credit management perspective, these are largely reactive topics. In fact, once you decide to sell a customer on open credit, most of the accounts receivable (AR) management tasks that follow have a reactive component.

Credit and Collections 130

Credit and Collections AR Aging Accounts Receivable (AR) Deductions 130

Your Virtual Credit Manager

NOVEMBER 28, 2023

The primary source of cash inflows for most firms are the receipts from payments of open customer invoices - i.e., your Accounts Receivable (AR). Other common inflows may involve rent you charge, royalties, and financing, all of which are easy to forecast. Chances are, they will be similar to the immediate past.

Cash Forecasting 130

Cash Forecasting Accounts Receivable (AR) Credit and Collections Invoice Disputes 130

Your Virtual Credit Manager

OCTOBER 2, 2024

Accounts Receivable (AR) reflect a promise of payment at a future date. Though a paper asset, AR competes with Property, Plant and Equipment as well as Inventory for being the largest line item on a company’s balance sheet. Your Virtual Credit Manager is a reader-supported publication.

Past Due Invoices 130

Past Due Invoices Credit and Collections Deductions Accounts Receivable (AR) 130

Your Virtual Credit Manager

MAY 14, 2024

Since payment of Accounts Receivables (AR) is the primary source of regular cash inflows for most companies, you need to also track your AR to not only maintain its health as well as to better manage it and ensure maximum cash inflow. it just might help them collect faster and pay you sooner.

AR Metrics 130

AR Metrics DSO Credit and Collections Accounts Receivable (AR) 130

Lockstep

MAY 4, 2022

Is your AR aging creeping beyond resolution? Are you even able to review and report on your aging accounts receivable? The role of accounts receivables (AR) teams is increasingly important as the backbone of your organization’s financial health. Manage Your Team Resources.

AR Automation 83

AR Automation Accounts Receivable (AR) AR Aging Credit and Collections 83

Your Virtual Credit Manager

APRIL 9, 2024

There has always been a strong correlation between the cost of funds and accounts receivable (AR) management. Any delays in receiving payments from customers can, therefore, have a more pronounced effect on a company's bottom line profits.

Credit and Collections 130

Credit and Collections Accounts Receivable (AR) Credit Card Payments Default 130

Your Virtual Credit Manager

SEPTEMBER 12, 2023

Effectively managing accounts receivable (AR) is essential for a company's financial well-being. Poor receivables performance affects cash flow, and it is no secret that cash flow problems are the leading cause of business failures. In small companies, this may occur due to a lack of credit analysis skills.

Credit and Collections 130

Credit and Collections Bad Debt Accounts Receivable (AR) Deductions 130

Your Virtual Credit Manager

FEBRUARY 28, 2023

Your Virtual Credit Manager (YVCM) previously published an article discussing the pros and cons of Prompt Payment Discounts. However, at this point in time there are other factors in play that favor the use of discounts to encourage earlier payment by your customers. This is a subject that has valid arguments for and against.

Bad Debt 130

Bad Debt Accounts Receivable (AR) Credit Risk Bankruptcy 130

Your Virtual Credit Manager

FEBRUARY 21, 2023

Photo by Mockup Graphics on Unsplash The old saying goes that you can’t manage what you can’t measure. That certainly holds true for business processes, including the management of your Accounts Receivable (AR) and the part it plays in the order-to-cash process.

DSO 130

DSO Credit and Collections Collection Effectiveness Index Bad Debt 130

Lockstep

JUNE 15, 2022

For B2B businesses, credit management is essential for accounts receivable (AR) management success. Proper, healthy credit management allows for steady cash flow, better collections management and a manageable days sales outstanding (DSO). . External and Supporting Data .

AR Automation 91

AR Automation Bad Debt DSO Accounts Receivable (AR) 91