Credit Analysis & Decision

Build and customize your scoring models, evaluate your customers for credit worthiness and determine credit limit and rating.

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Improved Decision-Making Capabilities

The Bectran Scoring Model provides you with the very insight you need to understand a customer's credit risk profile, as well as how much credit you should award with minimal risk. A customer’s credit risk profile is determined from a comprehensive analysis of risk based on your company’s credit policy, market conditions, customer business and financial data, and credit intelligence data from multiple external sources. Better credit decision-making significantly helps to minimize incidences of credit losses resulting from credit defaults.

Improved Decision-Making Capabilities
Custom Scoring Solution

Custom Scoring Solution

A more targeted credit risk evaluation model produces a better measure of risk. You can define a custom scoring solution to address the individual segments of your customer base. The custom scoring solution takes into account the underlying business characteristics and credit risk profile of each segment of your customer base. Typical data inputs into the scoring solution include credit bureau data, financial statements, internal customer credit information, country risk factors, credit references, personal guarantees, credit application information, etc. In addition, Bectran offers several out-of-the-box scoring solutions that can be quickly adapted.

Threshold-Based Credit Risk Evaluation

You can set thresholds in your scoring models based on customer attributes that significantly influence your risk appetite. With threshold-based credit risk evaluation, you automatically eliminate high-risk customers below threshold, allowing you to focus on customers with more optimal risk-return ratios. This model becomes very handy in a high-volume/low-value transactions environment where accurate and rapid credit decisions are vital.

Threshold-Based Credit Risk Evaluation

Discover how SRS Distribution streamlined its credit approvals, job sheets, and collections with a digitized workflow.

Case Study

Improving efficiency for McNeilus Steel with Bectran’s automated electronic credit reference check.

Case Study

Transforming Floor & Decor’s manual credit process into a standardized digital work process.

Case Study

How Ben E. Keith implemented Bectran with ERP Integrations.

Case Study
Credit Application System

Credit Application System

Multi-purpose and customizable credit application system with sales, customer and credit facing online portals.

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Credit Management Workflow

Credit Management Workflow

Universal and configurable credit management workflow that organizes, tracks, monitors, measures and reports all credit review activities, from credit request Initiation to approval.

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Accounts Receivable Review

Accounts Receivable Review

Monitor the quality of your accounts receivable portfolio and perform quality-enhancing credit reviews.

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