1. Credit check existing customers
Most companies don't think about it, and therefore often do it very rarely; credit check their existing customers. You may have been doing business with a company for 10 years without any payment issues. But your customers' financial situation changes throughout their existence - and it can affect your business if you or your salespeople don't catch these changes in time.
Our advice is to make sure you run credit checks on your existing customer database - perhaps at regular intervals or every time they do business with you.
2. Credit check new customers
Kredittjek sker oftest i forbindelse med nye etablering af nye kundeforhold. Du kender ikke den nye kundes økonomiske situation, deres betalingsevne eller lignende. Dette kan kredittjekket være med til at afsløre / belyse.
We recommend that you always check the financial situation of new customers via a credit check. It is up to you to decide whether all new customers, only private customers, only businesses (corporate customers), or perhaps only customers who want credit above a certain size should be credit assessed.
3. Credit check based on the size of the order/credit
While most companies know that credit checks on new customers are a good idea, few do credit checks based on the size of the order or credit. Because the larger the credit or order - the higher your risk of loss.
Derfor er det måske en god ide at overveje at indføre kredittjek hver gang, at en kunde køber for mere end et vist beløb, uanset jeres tidligere betalingshistorik med kunden.
That way, you don't have to spend time credit-checking every customer and every order, but only those that pose the greatest monetary risk to your business.
4. Opsæt løbende kreditovervågning
De fleste virksomheder kredittjekker kun nye kunder, eller kunder når de handler for et vist beløb. Men har du nogensinde overvejet at opsætte løbende kreditovervågning af dine kunder? På den måde får du beskeder, når (hvis) der sker noget med dine kunder; ændringer af økonomi, ændringer af kreditstatus eller måske en konkurs.
With Qatchr, this feature is available in your product and you avoid your sellers dealing with a company that is in foreclosure or has other financial challenges.
5. Set up a process that suits you - and your business
No two businesses are the same, and neither are their credit rating needs; some businesses deal with many customers, while others deal with very few large customers. Regardless of the constellation of your customer portfolio - and the composition of your business - there is always a need to make good decisions based on relevant data, including credit ratings.
We recommend that your company sets up a process for credit assessments; maybe only certain customers? All customers? Only those who shop for over 5,000 DKK? Or maybe only new customers?
There are many ways to handle your credit policy, but make sure you establish a clear procedure - and then make sure that everyone; accountants, finance people, salespeople and others who have contact with customers, also follow your procedures. There can be major financial consequences if they are not followed consistently.
Try credit checks free for 14 days
Vi håber ovenstående har inspireret dig til hvilke typer af kunder og ordre, der måske bør kredittjekkes. Er din virksomhed ikke allerede i gang med at kredittjekke kunder, eller har I en konkurrerende løsning – så vil vi gerne tilbyde en gratis og uforpligtende demo af Qatchr. Med vores demo kan du prøve vores funktioner og kredittjek af, og samtidig se, hvordan vi kan gøre en forskel for din virksomhed.
