Tools

Download of Credit Management tools

Download of Credit Management tools

More than 140 tools to manage accounts receivable


Credit Management tools helps businesses to improve cash and to avoid unpaid invoices.

Credit risk profile Credit risk profile The credit analysis Credit risk synthesis allowing to see all main topics of credit analysis in a snapshot.

It helps to share credit information between people involved in the credit process (credit manager, CFO...etc.) wihtout struggling with emails.

All information needed is in a simple sheet.
Information request form Information request form Get information about your clients Form template in french including all needed information to collect before opening a customer account.
Information request letter Information request letter Get information about your clients Template letter for a request of legal and financial information to a potential new customer.
Information request form Information request form Get information about your clients Form template including all needed information to collect before opening a customer account.
Information request letter Information request letter Get information about your clients Template letter to be sent to another supplier of your client requesting what is his payment behavior with him.
P&L financial ratios P&L financial ratios Analyze the Profit and Loss account This tool calculates the profitability ratios based on the Profit and Loss account.
Credit notation Credit notation Credit Notation Credit notation tool including 15 criteria to assess creditworthiness of your customers.

The tool is using three kind of criteria:
  • General information (company legal form, age of company, payment behavior...etc),
  • Profit and loss account information (sales, sales history, EBIT, net result),
  • Balance sheet information (equity, working capital, cash...etc.).
Easy credit notation Easy credit notation Credit Notation Credit ranking method to use when you don't have detailed profit and loss accounts and balance sheet of your client.

It is based on 8 criteria:
  • legal,
  • age of the company,
  • payment behavior,
  • financials,
  • business stakes...etc.
and produces a credit notation with recommendations for each category.
Cash analysis Covid Cash analysis Covid Credit risk during Covid 19 Excel file allowing the evolution of the cash flow of a company impacted by a major crisis

Credit limit set up Credit limit set up Set up the credit limit Credit limit set up tool based on the business need and financial capacities of your customer.

This tool is a big help for credit analysts to ensure credit limits are coherent with customer financial situation.
Credit notation + Credit limit set up Credit notation + Credit limit set up Set up the credit limit Two tools in one with the Credit notation tool linked with the Credit limit set up tool.

This tool is the most powerful to set up a credit limit according to business need and financial situation of your buyer.
Certificate of withdrawal Certificate of withdrawal Set up the payment term Certificate of withdrawal template in french which confirms to the buyer that a check or a promissory note has been lost and won't be cashed in even if it is found.
Unpaid check letter Unpaid check letter Set up the payment term Dunning letter template in french to send to the buyer after its check came back unpaid.
Certificate of withdrawal Certificate of withdrawal Set up the payment term Certificate of withdrawal template which confirms to the buyer that a check or a promissory note has been lost and won't be cashed in even if it is found.
Due dates calculation Due dates calculation Set up the payment term Easy invoice due date calculation tool.
Fill the invoice date and the tool provides the due dates for each payment term present in the tool.
Payment terms cash impact Payment terms cash impact Set up the payment term Tool to calculate the changes in your company's cash depending on the evolution of real payment terms of customers and used with suppliers.
Unpaid check letter Unpaid check letter Set up the payment term Dunning letter template to send to the buyer after its check came back unpaid.
Down payment request Down payment request Down payment and payment in advance Down-payment request letter template in french which asks to the buyer the payment of an advance as his credit limit cannot be extended.

It also informs the client that his order will be proceeded once the payment received.
Prepayment request Prepayment request Down payment and payment in advance Prepayment request letter template in french to be used when the seller wants to get the full payment of the order before delivery.
Advance payment bank guarantee Advance payment bank guarantee Down payment and payment in advance Template of advance payment bank guarantee on demand.

This kind of guarantee is often requested by the seller in order to make sure he doesn't lose the advance payment in case of dispute.
Advance payment bank guarantee on demand Advance payment bank guarantee on demand Down payment and payment in advance Template of advance payment bank guarantee on demand.

This kind of guarantee is often requested by the seller in order to make sure he doesn't lose the advance payment in case of dispute.
Down payment request Down payment request Down payment and payment in advance Down-payment request letter template which asks to the buyer the payment of an advance as his credit limit cannot be extended.

It also informs the client that his order will be proceeded once the payment received.
Prepayment request Prepayment request Down payment and payment in advance Prepayment request letter template to be used when the seller wants to get the full payment of the order before delivery.
Parent company guarantee Parent company guarantee Parent company guarantee Template of Parent company guarantee in french to be used when a seller wants the official commitment of the mother company of its customer to pay the bills.
Parent company guarantee Parent company guarantee Parent company guarantee Template of Parent company guarantee to be used when a seller wants the official commitment of the mother company of its customer to pay the bills.
Parent company guarantee on demand Parent company guarantee on demand Parent company guarantee Parent Company Guarantee on demand with all contractual clauses needed included. A template letter of payment request is included in the tool.
Bank guarantee on demand Bank guarantee on demand Bank guarantees Template of a bank guarantee on demand in french in favor of the seller.

This type of guarantee provides a very good level of security to the seller as far as the issuing bank is reliable.
Bank guarantee on demand Bank guarantee on demand Bank guarantees Template of a bank guarantee on demand in favor of the seller.

This type of guarantee provides a very good level of security to the seller as far as the issuing bank is reliable.
Content of a bank guarantee Content of a bank guarantee Bank guarantees All terms used in a bank guarantee with a definition for each of them.

This tool helps to better understand a bank guarantee.
Forfeiture of the term clause Forfeiture of the term clause Contractuals clauses Forfeiture of the term clause in french mentioning that in case of one installment of a contract unpaid by the buyer all installments will become due.
Property reserve clause Property reserve clause Contractuals clauses Template of ownership retention clause in french. This contractual clause mentions that the property of the goods sold remains to the seller until invoices are fully paid by the buyer.
Suspension and termination clauses Suspension and termination clauses Contractuals clauses Suspension and termination clauses template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.
Forfeiture of the term clause Forfeiture of the term clause Contractuals clauses Forfeiture of the term clause mentioning that in case of one installment of a contract unpaid by the buyer all installments will become due.
Property reserve clause Property reserve clause Contractuals clauses Template of ownership retention clause. This contractual clause mentions that the property of the goods sold remains to the seller until invoices are fully paid by the buyer.
Suspension and termination clauses Suspension and termination clauses Contractuals clauses Suspension and termination clauses template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.

Invoice template Invoice template Invoicing rules Invoice template including all needed type of information.
Aging balance Aging balance The aging balance

Aging balance on Excel based on the list of accounting documents (invoices, credit notes... etc.) of the customers accounts.

The tool automatically formats a dynamic ageing balance for organizing its cash collection.

Updated 2023
Collection letter prior due date Collection letter prior due date How to collect prior due date? Collection letter prior due date template in portuguese. Soft letter to be sent before the due date of invoices to ensure that the buyer is going to pay on time and that there is no dispute on the invoices.
Collection letter prior due date Collection letter prior due date How to collect prior due date? Collection letter prior due date template in french. Soft letter to be sent before the due date of invoices to ensure that the buyer is going to pay on time and that there is no dispute on the invoices.
Collection letter prior due date Collection letter prior due date How to collect prior due date? Collection letter prior due date template. Soft letter to be sent before the due date of invoices to ensure that the buyer is going to pay on time and that there is no dispute on the invoices.
Collection: ask the right questions Collection: ask the right questions How to collect prior due date? All type of questions to use during collection calls to customers with for each question type the context in which it should be used and the expected result.

Examples of each type of question.
How to do the collection action prior due date How to do the collection action prior due date How to collect prior due date? How to manage the collection call prior due date to the accounts payable department of the buyer?

Structure of a telephone conversation with formulations examples.
Reminder letter level 1 classical type Reminder letter level 1 classical type What is the collection level 1? Dunning letter template level 1 in portuguese informing the customer of the overdue and requesting the payment of due invoices.
Reminder letter level 1 block account type Reminder letter level 1 block account type What is the collection level 1? Dunning letter template level 1 in french informing the customer of the overdue and requesting the payment of due invoices otherwise his account will be blocked for new orders and deliveries.
Reminder letter level 1 classical type Reminder letter level 1 classical type What is the collection level 1? Dunning letter template level 1 in french informing the customer of the overdue and requesting the payment of due invoices.
Reminder letter level 1 good payer type Reminder letter level 1 good payer type What is the collection level 1? Dunning letter template level 1 in french dedicated to good payers who omit to pay on time. This is a soft reminder for a short overdue.
Reminder letter level 1 partnership type Reminder letter level 1 partnership type What is the collection level 1? Dunning letter template level 1 in french dedicated to partners who omit to pay on time. This is a soft reminder.
Reminder letter level 1 classical type Reminder letter level 1 classical type What is the collection level 1? Dunning letter template level 1 in spanish informing the customer of the overdue and requesting the payment of due invoices.
How to collect invoices by phone at level 1? How to collect invoices by phone at level 1? What is the collection level 1? How to collect invoices by phone at collection level 1?

Structure of a telephone conversation with formulation examples.
Reminder letter level 1 Reminder letter level 1 What is the collection level 1? Dunning letter template level 1 informing the customer of the overdue and requesting the immediate payment of due invoices.
Reminder letter level 1 block account type Reminder letter level 1 block account type What is the collection level 1? Dunning letter template level 1 informing the customer of the overdue and requesting the payment of due invoices otherwise his account will be blocked for new orders and deliveries.
Reminder letter level 1 delay penalties type Reminder letter level 1 delay penalties type What is the collection level 1? First written reminder requesting an immediate payment including delay penalties.
Reminder letter level 1 financial closing Reminder letter level 1 financial closing What is the collection level 1? Letter to be sent before financial closing date requesting the payment of due invoices in order to clear the account otherwise auditors may look to the reason of non-payment.
Reminder letter lever 1 good payer type Reminder letter lever 1 good payer type What is the collection level 1? Dunning letter template level 1 dedicated to good payers who omit to pay on time. This is a soft reminder for a short overdue.
Reminder letter lever 1 partnership type Reminder letter lever 1 partnership type What is the collection level 1? Dunning letter template level 1 dedicated to partners who omit to pay on time. This is a soft reminder.
Reminder letter level 2 block account type Reminder letter level 2 block account type What is collection level 2? Dunning letter template level 2 in french informing the buyer that without immediate payment of due invoices, his account will be blocked for new orders.
Reminder letter level 2 partnership type Reminder letter level 2 partnership type What is collection level 2? Dunning letter template level 2 in french dedicated to Partners with which business relations are good without (normally) problems of payment.
Reminder letter level 2 to the project manager Reminder letter level 2 to the project manager What is collection level 2? Dunning letter template level 2 in french to send to the Project manager in order he releases the payment of overdue invoices.
How to collect invoices by phone at level 2? How to collect invoices by phone at level 2? What is collection level 2? How to collect invoices by phone at collection level 2?

Structure of a telephone conversation with formulation examples.
Reminder letter level 2 block account type Reminder letter level 2 block account type What is collection level 2? Dunning letter template level 2 informing the buyer that without immediate payment of due invoices, his account will be blocked for new orders.
Reminder letter level 2 partnership type Reminder letter level 2 partnership type What is collection level 2? Dunning letter template level 2 dedicated to Partners with which business relations are good without (normally) problems of payment.
Formal notice level 3 classical type Formal notice level 3 classical type What is the collection level 3? Formal notice template level 3 in portuguese which informs the debtor that without an immediate payment of invoices including delay penalties the seller will start a legal action against him.
Formal notice level 3 collection agency type Formal notice level 3 collection agency type What is the collection level 3? Formal notice template level 3 in portuguese.
<
This letter is the last reminder before transfering the case to a collection agency for litigation.
Formal notice level 3 classical type Formal notice level 3 classical type What is the collection level 3? Formal notice template level 3 in french which informs the debtor that without an immediate payment of invoices including delay penalties the seller will start a legal action against him.
Formal notice level 3 collection agency type Formal notice level 3 collection agency type What is the collection level 3? Formal notice template level 3 in french.

This letter is the last reminder before transfering the case to a collection agency for litigation.
Formal notice level 3 credit insurance type Formal notice level 3 credit insurance type What is the collection level 3? Formal notice template level 3 in french.

This letter is the last reminder before sending the claim to the credit insurer.
Formal notice level 3 classical type Formal notice level 3 classical type What is the collection level 3? Formal notice template level 3 in spanish which informs the debtor that without an immediate payment of invoices including delay penalties the seller will start a legal action against him.
Formal notice level 3 additional fees type Formal notice level 3 additional fees type What is the collection level 3? Formal notice template level 3 which informs the debtor that without an immediate payment of invoices including delay penalties the buyer will have to pay additional costs due to collection fees.
Formal notice level 3 classical type Formal notice level 3 classical type What is the collection level 3? Formal notice template level 3 which informs the debtor that without an immediate payment of invoices including delay penalties the seller will start a legal action against him.
Formal notice level 3 collection agency type Formal notice level 3 collection agency type What is the collection level 3? Formal notice template level 3.

This letter is the last reminder before transfering the case to a collection agency for litigation.
Formal notice level 3 credit insurance type Formal notice level 3 credit insurance type What is the collection level 3? Formal notice template level 3.

This letter is the last reminder before sending the claim to the credit insurer.
Formal notice level 3 personal type Formal notice level 3 personal type What is the collection level 3? Formal notice level 3 template dedicated to sole proprietor owner.

This letter is the last reminder before litigation.
How to collect invoices by phone at level 3? How to collect invoices by phone at level 3? What is the collection level 3? How to collect invoices by phone at collection level 3?

Structure of a telephone conversation with formulation examples.
Contract letter of payment plan confirmation Contract letter of payment plan confirmation Negotiate a payment plan Template of a payment plan contract letter in french. Using this contract is key when you agree with your customer on a payment due to financial difficulties.

It allows to formalize customer commitment.
Agreement to compromise debt Agreement to compromise debt Negotiate a payment plan Payment plan agreement template to use to confirm the agreement made by the seller and the buyer about unpaid invoices.

It can be considered as an acknowledgment of debt which can be used in case of later legal action.
Contract letter of payment plan confirmation Contract letter of payment plan confirmation Negotiate a payment plan Template of a payment plan contract letter. Using this contract is key when you agree with your customer on a payment due to financial difficulties.

It allows to formalize customer commitment.
Reminder letter delay penalties type Reminder letter delay penalties type Late payment penalties Dunning letter template level 2 in portuguese requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.
Reminder letter delay penalties type Reminder letter delay penalties type Late payment penalties Dunning letter template level 2 in french requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.
Reminder letter delay penalties type Reminder letter delay penalties type Late payment penalties Dunning letter template level 2 in spanish requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.
Late payment penalties calculation Late payment penalties calculation Late payment penalties Easy tool to calculate penalties for late payment according to invoices amount, due date of each invoices and penalty interest rate.

This xls tools allows to calculate the amount of late payment penalties in few seconds.

It is possible to do the calcul with invoices not yet paid or with invoices already paid.

It is also possible to include a fix fee per overdue invoice.
Reminder letter delay penalties type Reminder letter delay penalties type Late payment penalties Dunning letter template level 2 requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.

European order for payment form A European order for payment form A The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.
European order for payment form B European order for payment form B The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.
European order for payment form C European order for payment form C The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.
European order for payment form D European order for payment form D The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.
European order for payment form E European order for payment form E The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.
European order for payment form F European order for payment form F The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.
European order for payment form G European order for payment form G The order for payment The European Payment Order is a simplified procedure for cross-border monetary claims which are uncontested by the defendant.

Credit management reporting Credit management reporting DSO calculation Full Credit Management reporting tool including the DSO reporting, the overdue ratio reporting and the bad debts reporting.
This tool helps to have a clear understanding of Credit Management performance and evolution in your company.
DSO calculation DSO calculation DSO calculation DSO calculation tool which allow to manage the accounts receivable performance from a cash and working capital standpoint.
Overdue ratio calculation Overdue ratio calculation Overdue ratio calculation Reporting and performance follow up tool about the percentage of overdue invoices, that is one of the key performance indicator in Credit Management.
Bad debts ratio calculation Bad debts ratio calculation Bad debts ratio calculation Bad debts ratio reporting tool which allow to check credit management performance regarding losses due to unpaid invoices.
Cost of credit Cost of credit The best strategy in Credit Management Calculate with this tools the cost of the credit granted to your customers, the breakeven point of your receivable (from what payment term your company makes losses) and the correspondence between unpaid and turnover (what turnover has been made for nothing because of an unpaid).

This tools also allows to calculate the average cost of financing of your company.
Chart of authority Chart of authority Credit Management Policy The chart of authority is an approval matrix defining the approbation level needed to set credit limits and payment conditions.

It is a key tool which has to be part of the credit management policy.
Credit management policy Credit management policy Credit Management Policy Template of credit management procedure including all steps of the quote to cash process to cover with credit rules:
  • What to do before sending a quotation?
  • Risk assessment and mitigation
  • Internal Chart of Authority
  • Cash collection process and dispute management process
  • Litigation recovery

Normative WCR calculation Normative WCR calculation Normative working capital Excel tool which allows to calculate the normative WCR and to determine what will be the WCR with the evolution of the turnover of your company.
WCR calculation WCR calculation Drive the working capital WCR calculation tool based on a monthly basis in order to highlight where gains in WCR can be achieved.

WCR is piloted in days of sales for a better performance analysis.
DPO calculation DPO calculation Improve the working capital DPO calculation tool which allow to manage the DPO which is a key indicator for working capital performance.
DSO calculation DSO calculation Improve the working capital DSO calculation tool which allow to manage the accounts receivable performance from a cash and working capital standpoint.
Discount rate calculation Discount rate calculation Discount and prepayment This tool allows to calculate several discount rates based on cost of funding of your business and on the commercial context:
  • Standard offer (rate below the average funding rate).
  • Cash offer (in case your company needs cash).
  • Risk offer (in case the customer is insolvent).

Documentary credit template Documentary credit template The documentary credit Export documentary credit template to use to secure your international business.
Standby letter of credit template Standby letter of credit template The letter of credit standby Template of a Standby Letter of Credit which is the most used payment bank guarantee in international business.
Advance payment bank guarantee on demand Advance payment bank guarantee on demand Projects management Template of advance payment bank guarantee on demand in french.

This kind of guarantee is often requested by the seller in order to make sure he doesn't lose the advance payment in case of dispute.
Advance payment conditional bank guarantee Advance payment conditional bank guarantee Projects management Template of advance payment conditional bank guarantee.

The guarantee can play only if conditions described in the guarantee are met.
Performance bank guarantee conditional Performance bank guarantee conditional Projects management Template of performance conditional bank guarantee. It provides the buyer with a guarantee of good execution as far as he is able to give the proof of the seller default.
Performance bank guarantee on demand Performance bank guarantee on demand Projects management Template of performance bank guarantee on demand in french. This is more risky for the seller as the buyer doesn't have to prove seller default to use the guarantee.
Retention money bank guarantee on demand Retention money bank guarantee on demand Projects management Template of retention money bank guarantee on demand in french, often used to avoid partial payment of the buyer during the warranty period.
Retention money conditional bank guarantee Retention money conditional bank guarantee Projects management Conditional bank guarantee of retention money template in french.

It is preferable to provide the buyer with a bank guarantee rather than he retains X% of the payment as a waranty.
Suspension and termination clauses Suspension and termination clauses Projects management Suspension and termination clauses template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.
Retention money bank guarantee on demand Retention money bank guarantee on demand Projects management Template of retention money bank guarantee on demand.

It is often better to provide the buyer with this bank guarantee rather than he holds 5 or 10% of the payment during X years.
Advance payment bank guarantee on demand Advance payment bank guarantee on demand Projects management Template of advance payment bank guarantee on demand.

This kind of guarantee is often requested by the seller in order to make sure he doesn't lose the advance payment in case of dispute.
Advance payment conditional bank guarantee Advance payment conditional bank guarantee Projects management Template of advance payment conditional bank guarantee.

The guarantee can play only if conditions described in the guarantee are met.
Cash and Risks curves Cash and Risks curves Projects management Full tool which allow to calculate month by month the cash curve, the manufacturing risk curve and the credit risk curve on a dedicated project.

This tool is required to evaluate and simulate these risks before signing a contract.
Cash curve Cash curve Projects management Excel tool which allows to calculate month by month the cash flow on a Project or on a business.

Simply fill columns inflows and outflows and the tool calculates the cash of the month and the cumulated cash on a dedicated graph.
Conditional performance bank guarantee Conditional performance bank guarantee Projects management Template of performance conditional bank guarantee.

This kind of bank guarantee provides the buyer with a guarantee of successful execution of the seller.
Performance bank guarantee on demand Performance bank guarantee on demand Projects management Template of performance bank guarantee on demand. This is more risky for the seller as the buyer doesn't have to prove seller default to use the guarantee.
Retention money bank guarantee on demand Retention money bank guarantee on demand Projects management Template of retention money bank guarantee on demand, often used to avoid partial payment of the buyer.
Retention money conditional bank guarantee Retention money conditional bank guarantee Projects management Conditional bank guarantee of retention money template.

It is preferable to provide the buyer with a bank guarantee rather than he retains X% of the payment as a waranty
Suspension and termination clauses Suspension and termination clauses Projects management Suspension and termination clauses template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.