Credit & Payment Terms Management
Delivers instant credit decisions, proactive collections, and significant bad debt reduction through AI-powered scoring and dynamic risk management.
Why This Matters
What It Is
Delivers instant credit decisions, proactive collections, and significant bad debt reduction through AI-powered scoring and dynamic risk management.
Business Value
Low-effort, high-value actions to achieve early results
- Deploy AI credit scoring for new customer applications
- Implement proactive collections with automated payment reminders
- Enable dynamic credit limit adjustments for top 100 customers
Maturity Assessment
Is This Right for You?
This score is based on general applicability (industry fit, implementation complexity, and ROI potential). Use the Preferences button above to set your industry, role, and company profile for personalized matching.
Why this score:
- • Applicable across multiple industries
- • Traditional and agentic approaches are similar
- • Moderate expected business value
You might benefit from Credit & Payment Terms Management if:
- You want to modernize this capability
- You see value in AI-powered automation
Functions (6)
AI Credit Scoring & Underwriting
Machine learning-powered instant credit evaluation using 50+ data sources including credit bureaus, financial statements, payment history, and industry risk analysis for automated credit limit and payment terms decisions.
Dynamic Credit Limit Management
Real-time credit limit adjustments based on continuous monitoring of customer financial health, payment behavior, credit utilization, and industry trends with automated increase and decrease recommendations.
Instant Credit Approval
AI-powered instant credit approval achieving 70-90% automation vs 10-30% manual processes, with 40-60% improvement in key metrics.
Payment Terms Optimization
ML-driven assignment of optimal payment terms (Net 15/30/60, COD, prepay) based on customer risk profile, payment history, competitive dynamics, and cash flow impact with dynamic discount testing.
Proactive Collections Management
Predictive ML models identify late payment risk 7-14 days before invoice due date with automated personalized outreach, payment plan recommendations, and escalating dunning workflows to reduce past-due accounts.
Risk-Based Pricing & Discounting
Dynamic pricing that adjusts base prices and discount levels based on customer credit risk profile, payment terms, and historical payment behavior to optimize for profitability after bad debt.
What to Do Next
Related Capabilities
Accounts Payable & Receivable
Automates AP/AR processes from invoice capture through payment/collection with AI-powered OCR, 3-way matching, payment optimization, and intelligent collections.
Budgeting & Forecasting (FP&A)
Replaces static annual budgets with continuous rolling forecasts and driver-based planning using AI predictions and scenario modeling.
Buy Now, Pay Later (BNPL)
Offers flexible payment installment options at checkout with real-time credit decisioning and automated collections management.
Cryptocurrency & Digital Wallet Payments
Accepts cryptocurrency and digital wallet payments with real-time FX conversion, volatility protection, and instant fiat settlement.
Financial Reporting & Consolidation
Generates GAAP-compliant financial statements with automated consolidation, narrative insights, and self-service analytics.
General Ledger & Financial Close
Transforms month-end close from a 7-15 day manual process to a continuous 1-2 day automated close with real-time financial position visibility through AI-powered reconciliation, variance analysis, and consolidation.