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Tools, tutorials, methods and services
To know how to get paid by your clients

More than 140 tools to manage accounts receivable


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


Our tools are created and used by Credit Management experts,

They are updated accordingly to changes in the methods and of the legislation,

They can be used online or downloaded immediatly after subscription,

They are used and approved by hundreds of companies.

List of tools available to download

Full Credit Management kit including 6 tools which helps to get information from your clients, evaluate their solvency and define their credit limit:
  • Credit Notation,
  • Easy Credit Notation,
  • Credit limit setup and credit limit setup including credit notation,
  • Form and letter to request financial information to customers.
Kit including 7 tools to secure its receivable:
  • Bank guarantee on demand,
  • content of a bank guarantee,
  • suspension and termination clauses,
  • property reserve,
  • forfeiture of the term clause,
  • 2 types of parent company guarantees.
Full collection kit containing 14 tools from the collection prior due date to the collection level 3 (dispute).

Includes 9 dunning letters template, 4 collection tutorial for each step of the collection process and 1 tutorial about type of questions to use in collection calls made with customers.
Full Kit including an Excel tool to calculate easily late payment penalties with an unlimited number of invoices and 3 dunning letters (1 for each collection step) requesting a payment including late payment penalties.
Full Kit of Credit Management reporting including 5 tools:
  • DSO calculation,
  • Overdue ratio calculation,
  • Bad debts ratio calculation,
  • Cost of credit,
  • Credit Management reporting.
Includes 4 management tools about working capital which allow to calculate the working capital requirement and to manage it:
  • Normative WCR calculation,
  • WCR calculation and management,
  • DSO calculation,
  • DPO calculation

Tools by category

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 wihtout struggling with emails. All information needed is in a simple sheet.

Get information about your clients

Form template in french including all needed information to collect before opening a customer account.
Template letter for a request of legal and financial information to a potential new customer.
Form template including all needed information to collect before opening a customer account.
Template letter to be sent to another supplier of your client requesting what is his payment behavior with him.

Analyze the Profit and Loss account

This tool calculates the profitability ratios based on the Profit and Loss account.

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.).
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.

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.
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.

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.
Dunning letter template in french to send to the buyer after its check came back unpaid.
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.
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.
Tool to calculate the changes in your company's cash depending on the evolution of real payment terms of customers and used with suppliers.
Dunning letter template to send to the buyer after its check came back unpaid.

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 letter template in french to be used when the seller wants to get the full payment of the order before delivery.
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.
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 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 letter template to be used when the seller wants to get the full payment of the order before delivery.

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.
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 with all contractual clauses needed included. A template letter of payment request is included in the tool.

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.
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.
All terms used in a bank guarantee with a definition for each of them.

This tool helps to better understand a bank guarantee.

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.
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 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 mentioning that in case of one installment of a contract unpaid by the buyer all installments will become due.
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 template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.

Invoicing rules

Invoice template including all needed type of information.

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.

Collection 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 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 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.
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 manage the collection call prior due date to the accounts payable department of the buyer?

Structure of a telephone conversation with formulations examples.

Collection level 1

Dunning letter template level 1 in portuguese informing the customer of the overdue and requesting the payment of due invoices.
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.
Dunning letter template level 1 in french informing the customer of the overdue and requesting the payment of due invoices.
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.
Dunning letter template level 1 in french dedicated to partners who omit to pay on time. This is a soft reminder.
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 collection level 1?

Structure of a telephone conversation with formulation examples.
Dunning letter template level 1 informing the customer of the overdue and requesting the immediate payment of due invoices.
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.
First written reminder requesting an immediate payment including delay penalties.
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.
Dunning letter template level 1 dedicated to good payers who omit to pay on time. This is a soft reminder for a short overdue.
Dunning letter template level 1 dedicated to partners who omit to pay on time. This is a soft reminder.

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.
Dunning letter template level 2 in french dedicated to Partners with which business relations are good without (normally) problems of payment.
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 collection level 2?

Structure of a telephone conversation with formulation examples.
Dunning letter template level 2 informing the buyer that without immediate payment of due invoices, his account will be blocked for new orders.
Dunning letter template level 2 dedicated to Partners with which business relations are good without (normally) problems of payment.

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 template level 3 in portuguese.
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This letter is the last reminder before transfering the case to a collection agency for litigation.
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 template level 3 in french.
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This letter is the last reminder before transfering the case to a collection agency for litigation.
Formal notice template level 3 in french.
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This letter is the last reminder before sending the claim to the credit insurer.
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 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 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 template level 3.
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This letter is the last reminder before transfering the case to a collection agency for litigation.
Formal notice template level 3.
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This letter is the last reminder before sending the claim to the credit insurer.
Formal notice level 3 template dedicated to sole proprietor owner.
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This letter is the last reminder before litigation.
How to collect invoices by phone at collection level 3?

Structure of a telephone conversation with formulation examples.

Negociate 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.
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.
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.

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.
Dunning letter template level 2 in french requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.
Dunning letter template level 2 in spanish requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.
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.
Dunning letter template level 2 requesting immediate payment of due invoices plus delay penalties due to late payment, according to sales conditions.

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 tool which allow to manage the accounts receivable performance from a cash and working capital standpoint.

Overdue ratio calculation

Rerporting 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 reporting tool which allow to check credit management performance regarding losses due to unpaid invoices.

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.

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.
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 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.

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.

Improve the working capital

DPO calculation tool which allow to manage the DPO which is a key indicator for working capital performance.
DSO calculation tool which allow to manage the accounts receivable performance from a cash and working capital standpoint.

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.
  • Cash offer.
  • Risk offer.

The documentary credit

Export documentary credit template to use to secure your international business.

The letter of credit standby

Template of a Standby Letter of Credit which is the most used payment bank guarantee in international business.

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.
Template of advance payment conditional bank guarantee.

The guarantee can play only if conditions described in the guarantee are met.
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.
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.
Template of retention money bank guarantee on demand in french, often used to avoid partial payment of the buyer during the warranty period.
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 template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.
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.
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.
Template of advance payment conditional bank guarantee.

The guarantee can play only if conditions described in the guarantee are met.
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.
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.
Template of performance conditional bank guarantee.

This kind of bank guarantee provides the buyer with a guarantee of successful execution of the seller.
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.
Template of retention money bank guarantee on demand, often used to avoid partial payment of the buyer.
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 template to be included in contracts in order to be able to stop to deliver if the buyer doesn't pay the bills.
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