Business Credit

Business Credit is a magazine covering finance, business risk management and provides information for the extension of credit, maintenance of accounts receivable, and cash asset management. It is published 10 times per year by the National Association of Credit Management.Subjects for Business Credit include banking, finance and investments.

Articles from Vol. 94, No. 4, April

Associations Are Even More Valuable during Recessions
Most credit professionals and their companies are under tremendous pressure during recessions. Although risk management is ever present, it is even more critical during tough economic times than it is during times of expansion. No doubt, we are...
Build Cash Flow through Better Balance Sheet Management
Remember when the credit crunch began? For the corporate sector, this contraction meant a sudden, severe tightening of lending policies coupled with a significant reduction in the number of sources of available credit. While the crunch is showing signs...
Direct Approach to Cash Flows Enhances Credit Analysis
Credit analysts tend to agree that the direct presentation of operating cash flows in the statement of cash flows is the preferred approach. This view has been supported by the Accounting Policy Committee (APC) of Robert Morris Associates (RMA), which...
Enhancing Cash Flow through Credit Discounts
Credit is the oil that lubricates the economic engine in a free market. Without credit, the gears will freeze up and the economy will grind to a stop. Like any motor, however, the oil can become dirty and not perform up to optimum standards. The credit...
How Ethical Are You?
I am a lawyer who teaches business ethics in a business school. If you think about that statement, you will find at least three oxymorons. But business ethics do exist and, surprisingly, have become the focus of the American enterprise. Some say the...
Increase Cash Flow through Concise Invoices
Sometimes the hardest dilemmas are solved with the most obvious answers. Managing cash flow is a difficult task made easier by using simple, clear invoices. For the most part, invoices are taken for granted by credit managers and are often overlooked...
Opportunities Expand in Commercial Lending
The commercial lending environment of the economic expansion in the 1990s will be unlike anything we have experienced in almost three decades. It will present opportunities for unprecedented success to those banks that are prepared and remain committed...
Part II: The Inner Workings of Industry Credit Groups
A hefty slice of the profits of most American businesses, particularly manufacturing and wholesaling, comes from sales to marginal accounts. One of the core responsibilities of the credit executive is the management of these accounts to produce profit...
Preserve Creditors' Rights by Filing a Proof of Claim
"Obviously, if there are no assets available for distribution to creditors, there is no purpose in needlessly burdening the court with claims." As a creditor with a claim against a debtor who has filed for bankruptcy, you or your company have a...
Team Effort Paves the Way to Make Baltimore Affiliate Excel
Serving the needs of the credit community in a large metropolitan area is not an easy job. And if you multiply this by three metro areas, you will find that not many organizations are up to the task. But the National Association of Credit Management-Chesapeake...
The FASB's New Rules: Here We Go Again?
"The rules require that a deferred tax asset be recognized for deductible temporary differences and operating loss operating loss and tax credit carryforwards." The Financial Accounting Standards Board (FASB) recently issued a final statement on...
The Inner Workings of Industry Credit Groups
"The exchange of factual credit experience information, through a group or by individual competitors, is legal." A hefty slice of the profits of most American businesses, particularly manufacturing and wholesaling, comes from sales to marginal accounts....
Turnaround Management: The Mission, the Methods
"The trend is for creditors to bring turnaround experts into a company during its early-to-mid decline, rather than in its final liquidity crisis." Helping troubled companies survive the present economy has recently brought forth a new management...
Uncle Sam Must Pay on Time
Doing business with federal government is too tough!" We've all heard this for years. The rules got better in 1988 but you still must insist on your rights to get their full benefit. On October 17, 1988, President Ronald Reagan signed into law S.328,...
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