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. 116, No. 9, November-December

Best Practices in International Credit
Much like domestic credit extension, international credit extension relies on the Five Cs of Credit: Character, Capacity, Capital, Conditions and Collateral. The challenge often comes in determining these five items when operating remotely, trying...
Best Practices in Managing Trade Receivables: What a CFO Wants
Early in 2014, the chief financial officer (CFO) of a $300 million manufacturer was upset with the performance of her credit department. At first glance, the department didn't appear to need help with their effectiveness (85% of the portfolio was current;...
Can You Hear Me Now? Decoding Difficult Behaviors
As a leadership coach, my clients often talk about "difficult" coworkers or customers. Perhaps you have those people in your life too? When I ask clients what makes the situation difficult, they say it's the frustration of not getting the information,...
Commercial vs. Consumer Transactions: Clarifying the Use of Personal Guaranties and Cosignors
There are many areas in which consumer laws and rules are crossing over into commercial credit transactions. However, there are some rules which have been in existence for some time and it is important for the trade credit grantor to be mindful of...
Customer Credit in the Technology Supply Channel: Strengthening the Distributor's Hand with the Personal Guaranty and Collateral Agreement: Part 1
"If you want a guarantee, buy a toaster." --Clint Eastwood Mr. Eastwood, though not a banker, is nonetheless one of the globes most accomplished artists, directors and producers as well as a savvy real estate developer, and has tackled complex financial...
Does the Equal Credit Opportunity Act Apply to Spousal Guarantors? Yes and No!
Oftentimes, a trade creditor extending credit to its customer will require additional security in the form of a guaranty of its customers obligations. A creditor considering obtaining a spousal guarantee must contend with the requirements of the Equal...
Getting a Seat at the Big Table: How to Raise Your Profile with Upper Management
A myriad of issues and topics perennially fight for the attention of company chief operating officers (COOs), presidents and chief financial officers (CFOs). A spring 2014 survey of CFOs by TD Bank listed government regulation and competitive environment...
Meet Me in St. Louis: NACM's 119th Credit Congress & Expo
AMERICA'S CENTER ST. LOUIS, MISSOURI MAY 17-20, 2015 NACM's 119th Credit Congress & Exposition explores the all-American beauty and vitality of St. Louis. The Gateway City with rich, historic roots and an energy looking to tomorrow, beckons...
National Trade Credit Report Rolls out Benchmarking and Reference Outsourcing Enhancements
The NACM National Trade Credit Report (NTCR) is, and will, continue to evolve as a tool to support the credit decision-making process. And, as the number of companies relying on and contributing data to the NTCR continues to expand, new and improved...
Report for September 2014
The September CMI from the National Association of Credit Management fell to 54.9 from 56.7. While still firmly in the growth category, this is the lowest reading in nearly two years. This was not a good month and that brings a great many concerns...
Rumblings in the Cloud? Why the Recent Hacking of Consumer-Based Platforms Doesn't Necessarily Indicate a Deep Problem for B2B Transactions
The bandwagon of converts using "Cloud" solutions for B2B activity, including credit and collection functions, is getting crowded. As documented in the February 2013 issue of Business Credit, the benefits are pretty striking: reduced in- house IT burden,...
Terrorism Casts Shadow over Africa's Leading Economy
With more than 4,000 people killed in terrorist attacks over the past year, the militant Islamist group Boko Haram is posing an increasingly critical threat to Nigeria. The situation is also likely to deteriorate further ahead of elections scheduled...
The Credit Team's Best Practices with the US Federal Antitrust Laws
Consider the setting where a sales manager presents to the credit team an applicant requesting credit. The sales manager believes the applicant can be a significant source of revenue. The applicant is recently incorporated and the public information...
The Looming Talent Crisis: Research Shows Companies Unprepared for Future of Work: New Study by Oxford Economics and SAP Finds Companies Lack Strategy and Solutions to Engage and Manage an Increasingly Global, Diverse and Contingent Workforce
Businesses are facing the most diverse work environment that the world has ever seen with five different generations working together, across geographies--each with different skills, experiences and work habits. More of these workers will be freelancers...
Tips for Practicing Mindfulness in a Multitasking Workplace
Google, eBay, Intel and General Mills offer classes on it. So do Harvard Business School, Ross School of Business and Claremont Graduate University, among other campuses. Mindfulness is not just a corporate trend, but a proven method for success. ...
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