Your Virtual Credit Manager
APRIL 15, 2025
The threat of bad debt loss and diminished cash flow from delayed payments increases significantly when the economy is volatile or during a recession. The reason is simple — many of your customers will be suffering lower sales volumes, discounted pricing, delayed payments, higher costs, supply chain issues, or a combination thereof. The result is their own profitability and cash flow shortages.
Trade Credit & Liquidity Management
APRIL 17, 2025
Featured Articles Help us grow the Trade Credit & Liquidity Management community by sharing this newsletter. Share Conversations Trade Credit & Liquidity Management is a reader-supported publication.
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GoCardless
APRIL 17, 2025
Find out how long it takes you to get paid and the impact on your business
TreviPay
APRIL 16, 2025
An exclusive fintech seminar series for B2B leaders exploring the future of payments around the globe OVERLAND PARK, Kan., April 16, 2025 Following the success of the inaugural TreviPay Crossroads conference in 2024, TreviPay ,the most trusted B2B payments and invoicing network, is taking the conversation on the road. This year, TreviPay is hosting a series of half-day fintech seminars in major cities around the world to continue driving connections and conversations that shape the future of B2
Speaker: Susan Richards
Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.
Biz2X
APRIL 14, 2025
Reading Time: 5 minutes Embedded finance is rapidly reshaping the small business lending sector, radically changing how financial institutions assess borrower creditworthiness. Consider these statistics: Up to 25% of lending revenue will come from embedded finance by 2030 according to McKinsey. Embedded finance leads cost up to 25% less than traditional SMB leads.
Credit Management Source brings together the best content for credit management professionals from the widest variety of industry thought leaders.
GoCardless
APRIL 15, 2025
Use our guide to understand your payments process and how best to scale it
Accounting Department
APRIL 15, 2025
A Process Lead at AccountingDepartment.com plays a crucial role in our Implementation team's support of new client onboarding. Those who occupy this role are people who thrive in a fast-paced environment, enjoy working with a variety of personalities, and possess strong communication skills. Accuracy, attention to detail, and follow-through are also critical for success in this position.
Abrigo
APRIL 18, 2025
Software providers work together to improve treasury teams' workflows Integrating ledger accounting and risk management software offers treasury departments for banks and credit unions a streamlined workflow without a heavy IT lift. This article covers these key topics: Why "one-size-fits-most" doesn't work well Where ledger and hedge accounting meet Treasury workflows simplified Why "one-size-fits-most" software doesn't work well When treasury or accounting teams at financial institutions begi
Due
APRIL 18, 2025
With the days growing longer and the flowers blooming, spring is a great time to refresh your home and your finances. In the same way, you declutter your living space, you need to organize your finances to ensure youre on track for a successful and stress-free year. Therefore, this post can serve as a guide to spring cleaning your finances and preparing for a brighter financial future. 1.
Accounting Department
APRIL 17, 2025
Accurate financial reporting is crucial for any small to medium-sized business (SMB) looking to grow sustainably. Without proper financial oversight, companies can face compliance risks, cash flow issues, and missed opportunities for strategic expansion. This is where a controller plays a vital role.
Abrigo
APRIL 16, 2025
This article covers these key topics: Simplyfing CECL for certain receivables Breaking down Credit Losses-Topic 606 Receivables Implications for community financial institutions Equipment-financing firms and others could benefit FASB's Credit Losses-Topic 606 Receivables project doesn't directly affect financial institutions, but it could offer insight on efforts to reduce the CECL burden.
Trade Credit & Liquidity Management
APRIL 17, 2025
This is our second podcast discussing the topic of collection performance. In Part 1 , we looked at the variety of issues that take time from your collection efforts in the form of distractions and inefficiencies. In this segment, we talk about making your collection calls as effective as possible: everything from being prepared to setting the tone of the call, and from deflecting excuses to negotiating an acceptable result.
Due
APRIL 17, 2025
The IRA is a cornerstone for many, allowing you to build a nest egg with investments that fit your risk profile. You pick the financial institution; you manage the investments. In other words, its your retirement, your way. However , you should look closer at Roth IRAs to maximize your long-term financial security. Why the buzz around Roth IRAs? Its all about the tax advantage.
TreviPay
APRIL 16, 2025
OVERLAND PARK, Kan., April 16, 2025 Following the success of the inaugural TreviPay Crossroads conference in 2024, TreviPay ,the most trusted B2B payments and invoicing network, is taking the conversation on the road. This year, TreviPay is hosting a series of half-day fintech seminars in major cities around the world to continue driving connections and conversations that shape the future of B2B payments.
Abrigo
APRIL 14, 2025
Sidestep some of the issues that most commonly hurt backtesting efforts Backtesting the estimate for credit losses can build confidence in the CECL model and ensure it reflects an institution's credit risk. However, be careful to avoid common backtesting mistakes. Key topics covered in this post: Why financial institutions conduct CECL backtesting Backtesting mistakes to avoid & how to avoid them Evaluating CECL estimates against actual credit losses Backtesting is one of the most practical
Trade Credit & Liquidity Management
APRIL 17, 2025
Governments and companies worldwide borrowed a record $25 trillion in 2024, up $10 trillion from pre-COVID levels and nearly triple the amount borrowed before the 2008 financial crisis, as reported by Bill Hinchberger in Global Finance magazine ( OECD: A World Awash In Debt ). The OECD predicts further increases in 2025, with the central-government debt-to-GDP ratio in OECD countries projected to reach 85%.
Cpcmcredit Blog
APRIL 16, 2025
Trade finance differs from Invoice finance and is inherently more fraught with risk and open to fraud. I occasionally receive and broker leads. Its not cheap but can be effective. There are a number of independent players in the market and it is a sector where providers do tend to come and go alarmingly quickly but I do have contact with one very decent independent provider and one major bank which is specialising in the product under the auspices or someone I really respect There have again bee
Due
APRIL 15, 2025
In retirement , you have the opportunity to start over and create fresh opportunities for yourself. For many retirees, that means relocating to a new place. After all, with a better lifestyle, lower cost of living, and closer proximity to loved ones, this can be an exciting prospect. It is, however, important to weigh several factors carefully when selecting a retirement area.
Trade Credit & Liquidity Management
APRIL 16, 2025
From a Press Release Dated April 15, 2025, New York, NY Instacart Business has partnered with Balance, a B2B financial infrastructure provider, to launch an embedded invoicing and pay-by-invoice solution directly within the Instacart platform. This integration allows Instacart Business customers—ranging from small teams to large enterprises—to apply for invoicing, receive instant credit decisions, and manage payments seamlessly in-app, without being redirected or needing third-party
Trade Credit & Liquidity Management
APRIL 16, 2025
The sales team, traditionally seen as the main revenue generators, relationship builders, and market expansion specialists in typical business operations, also plays a crucial role in debt collection. While their primary focus is on revenue generation, sales professionals offer value that goes beyond recognition in debt collection processes, although they often do not receive sufficient acknowledgment.
Trade Credit & Liquidity Management
APRIL 16, 2025
Successful performance requires planning. No management role is exempt. This is particularly true for Credit Managers. By its nature, the credit and collections function requires advance planning and strategies to meet aggressive targets, how best to deploy and develop staff resources, and to provide continuous process evaluation and improvement. Credit and collection performance gains don’t occur without attention to People, Process and Technology, and that requires planning.
Due
APRIL 12, 2025
For decades, AI has run on silicona given that few have questioned or tried to challenge. However, one startup believes the future of computing might be grown in a dish and not manufactured in a lab. And if theyre correct, their technology may hold the answer to how we scale AI technology sustainablywithout constantly running the risk of decimating the global power grid.
Due
APRIL 16, 2025
A unique investment opportunity that offers positive returns and significant tax benefits has been highlighted. This investment fund has reportedly delivered positive returns for four consecutive years, with an average annual return of 14.5%. The most notable aspect of this investment is its tax advantage. While generating positive returns, the fund produces approximately 30% of ordinary losses annually.
Due
APRIL 15, 2025
The S&P 500 has already declined 9% this year, but there may be more concerning factors ahead for investors. The index faces challenges from both earnings projections and market valuation multiples that could lead to further downside. Current Market Challenges The S&P 500s price is fundamentally driven by two key factors: company earnings and the multiple that investors are willing to pay for those earnings.
Due
APRIL 15, 2025
Ray Dalio is a billionaire hedge fund manager based out of New York City. Many people follow Ray in his macro investing style and famously predicted the 2008 financial crises. Ray Dalio recently stated that America is very close to a recession, and fears that something worse could happen in the future. While Dalio and his supporters certainly are firm in their belief, not everyone is so confident.
Due
APRIL 14, 2025
In retirement, you will finally have time to enjoy leisurely mornings, long-anticipated hobbies , and time dedicated to yourself. However, this chapter contains a unique blend of excitement and a few health considerations for women. Weve earned this time and make the most of it healthy, vibrant, and utterly fulfilled. You should consider retirement a grand adventure, a chance to rewrite the script while focusing on your wellbeing.
Due
APRIL 16, 2025
There is plenty of guidance on financial planning during retirement. Still, many soon-to-be retired adults struggle with navigating the complexities of the American healthcare system. Planning for healthcare costs presents new challenges for many adults who have already retired or will retire in the coming years. In most instances, healthcare costs can be the most unpredictable expense in retirement planning.
Due
APRIL 14, 2025
In recent weeks President Donald Trump has been increasing stakes with tariffs with many foreign countries. While many countries and economies have been impacted, tariffs are highest for the second largest economic superpower, China. China has retaliated with tariffs on US goods, sending the two major countries into a trade war. Tension is still building and its uncertain exactly what will happen.
Due
APRIL 18, 2025
Singapore has been a strong economy for the past few decades, surviving storms like COVID quite well. This is due to their strong investment in finance and technology companies, helping the countries GDP. However, amidst strong historical economic performance, Singapore has cut growth expectations due to US tariffs. Singapore Cuts Growth Expectations Amidst Tariffs Leaders of the Monetary Authority of Singapore (MAS) predict their local economy could have zero growth in 2025.
Due
APRIL 17, 2025
The Bank of Canada recently held its interest rate at 2.75% and does not want to change it amidst US tariffs. While this may not seem significant, the bank of Canada has cut interest rates every year for the past seven years. The bank seems to be worried about potential inflation and other harms from US tariffs. Bank of Canada Holds Interest Rates Amidst Uncertainty Tiff Macklem , governor of the Bank of Canada, said that policymakers are just trying to digest the changes in trade policy.
Due
APRIL 16, 2025
NVIDIA, one of the largest companies in AI, has elected to make their supercomputers entirely within the walls of the US. This announcement came right after Trumps tariffs on all semiconductor related items. NVIDIA currently produces much of their product in Taiwan, which has been hit hard by tariffs. At the moment NVIDIA is planning out where to build factories to support their large production.
Due
APRIL 12, 2025
The financial markets experienced significant volatility following President Trumps announcement of a 90-day delay on most tariffs. The news prompted an extraordinary market reaction, with the Nasdaq jumping 7% in just nine minutes a movement characteristic of hedge fund short covering. When traders who had bet on market declines (shorting stocks) saw the news, they rushed to buy shares to cover their positions.
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