Financial Analysis

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Many credit professionals prefer to develop their own "scorecards" or internal credit scores to gauge a prospective or existing customer's creditworthiness. They like this approach because it is less… Read More
For credit professionals, the ability to mitigate customer credit risk is always critical. Debt markets have exploded in size and complexity in recent years as hedge funds, private equity firms, and… Read More
It all started close to 50 years ago with a handwritten note that contained a single word: bankruptcy. The word triggered an idea for a doctoral dissertation on predicting bankruptcy that introduced… Read More

Business risk is accelerating globally. While a weak US recovery continues, exposure to these global trends will inevitably have a domestic impact as well. That means credit and AR managers should be

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Securing adequate reliable working capital to power the business has emerged as the number-one challenge for midsize companies today, according to a new study of 670 companies across 15 industries by

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Years ago, when reporters joined a prestigious business publication, they were handed a tattered copy of "How to Read an Annual Report," along with their typewriters. The veteran bureau chief's… Read More

Every AR and credit professional is familiar with the Altman Z-Score, and most have used it to calculate the risk that a customer or prospective customer will declare bankruptcy within two years.

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The Securities and Exchange Commission (SEC) requires companies that market publically-traded securities to electronically register financial statements and reports. The documents are filed via the

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Credit scoring is a method for evaluating the creditworthiness of customers through implementation of a formula or set of rules. The factors you currently consider in manually making credit decisions… Read More
When experienced credit professionals examine a cash flow statement, the first thing most of them want to know is how much cash does the company generate? To learn the answer they head for a line… Read More