Evaluation Process to Determine Trade Credit Terms and Amount - new or renewal

All depends on your risk appetite but as a general rule, determine your client's

1) loan purpose - to bridge cashflow reqts? expansion? increase in production? remedial/restructuring?

2) financial capacity- cashflow, operating cycle, liquidity, d/e, activity ratios

3) existing customers, suppliers, and providers do trade checks. Determine financial info like the volume of txns, credit terms, and repayment performance

4) credit track record based on their repayment history with your company if any. Conduct BI and CI!

5) updated KYC info -to send notices/ demand letters in case of default, validate by CI

6) assets to attach especially if your exposure is in millions of Php

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Credit and Collection Management Services

Do you need help with your mounting bad debts?

Recover your aging account receivables and your hard-earned investments without having to collect them yourself.

Achieve lower than industry NPL or past due ratio.

Achieve better cash inflow through best practice collection methods without exerting any effort.

Yes, you can finally get that peace of mind. Leave it to us!!!

 Hi Mr./Ms. Entrepreneur/Businessman/Businesswoman,

Have you been thinking a lot about how to recover your bad debts to finally improve your cash flow position?

Are you tired of pushing your team to exert better collection efforts and still do not get your desired results?

Almost every business especially after the pandemic suffers from this problem. And when your bad debts keep aging and become seemingly uncontrollable, it can be so frustrating that there will be times you can’t help but think of closing shop. DON'T!  This is where we’d like to let you know that we are here to help you solve your collection problems.

Our consultancy or retainers service will relieve you from thinking of a customized collection strategy or even choosing the best legal approach concerning collection on a per account or on a per-client basis.  That’s not all! If you’re thinking that your collection team needs some boost or training on advanced collection strategies, our in-house customized credit and collection training program is guaranteed to equip every team member with effective collection techniques.  If at all, we can also be your third-party collection agency on a no-cure-no-pay basis.

We are passionate about helping businesses improve their cash flow by recovering bad debts or aging accounts/loan receivables. For the past 30 years, we've been engaging with companies of different industries as Credit Management Professionals; firms who engaged our collection services are financial institutions, services, real estate, healthcare services manufacturing, and trading firms. We are currently the chosen subject matter experts and have had regular speaking engagements on various Credit and Collection related topics for the Credit Management Association of the Philippines (CMAP) and the Rural Bank Association of the Philippines (RBAP)  for over five (5).

We can provide you with a detailed resume to show the track record of our key personnel and a list of clients we served upon your request. Moreover, we will be able to tell you about what we do and what we can specifically offer to address your credit and collection concerns in a meeting at your most convenient date and time. You may reach us at the contact information below.

Here’s to your success!!!

 

Theresa De Leon

+63 0917 8876383 (WhatsApp/Viber)

ayette.deleon@gmail.com

1260 Cardona St. Poblacion, Makati City