Hello, is there a way to have these alert notifications sent to the user's e-mail?

Nice content to be informed of and Learn

J.S is on the right path with DBT calculations. DSO is pushed because it "has always been that way" more or less. Our credit group did internal calculations using expected collections $ due at a due date - at the reporting date vs actual collections realized. It can be measured as percent of optimum achieved or percent of optimum failed. It must be kept as history or to recognize trends. Often the inability to track this data is due to AR system failure to retain actual due dates within reported data sets.

Efforts to overcome this crisis are common, only monocentricity and joint action can minimize damage.


It is important to take care of the survival of key companies, not only the core functions of society, because if the prospect of the future disappears, so does hope and direction.

very relevant article
thank you for your work done

Great overview of what the Credit Management position is. Many companies don't fully realize the benefits of Credit Management, or know the many ways to create a lean Credit Department with automated or technologically supplemented processes.

Great article

Thanks for your explanation on DSO. I would rather suggest to watch a simple video on DSO in Investopedia . You may have tried your best to ease a complex topic. At the end I was really confused and it became more complex . Anyway Good job.

Thank you ;-)

Change in sales due to seasonality is also a big factor in getting different readings of DSO. Not a good measure of AR performance.

I do not calculate DSO as it is not actionable. We us days beyond terms. (DBT) It is a simple calculation which is actionable. It eliminates varying terms codes based on customer segmentation any seasonality with respect to sales volumes. James

I liked it

So true,,,nice piece!

With no disrespect intended, you are providing a very complex solution to a subject matter for which a lender does not necessarily require a rocket science answer.


I agree a distinction should be made for receivables not due and those that are past due .


Generally, current dues far exceed past dues. We look at trends and the potential cash flow derived from forecast turnover. The past helps to form a view on what can be expected going forward.

Your long lengthy explanation of DSO is the exact reason we do not use it for measurement purposes.

DSO in my opinion is not actionable. We use DBT, Days Beyond Terms.

This measurement sets aside varying customer terms codes you may be using with different customer segments within your portfolio.

Compliment for sintetic and clear process

Right you are, Betrand. We tend to 'hold back' a bit at this time of the year. It is a good time to re-focus, ensure our team has the right attitude. A deal is a deal.

Well putted and true indeed.

Great read on a Friday morning! Really enjoyed the tongue in cheek attitude, yet the "trueness" of who we are is clear. Thank you

Very well put, Credit Manager is really what you describe

Interesting article.

Your assessment of the need of a good credit manager is well taken. I might suggest to those companies that do not have a credit manager to also consider using a service such as ours. Bucher Financial Group. We specialize in helping small to mid size companies manage their accounts receivable portfolios. You can learn more at www.buchergroup.com.