Financial Analysis


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

Recently, the National Association of Credit Management (NACM) and its affiliates launched the National Trade Credit Report (NTCR: The site is designed to aid NTCR users

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By Scott Blakeley Scenario Your company is a sole-source supplier with a multiyear supply contract with a customer that is a significant source of business. The supply contract was negotiated by… Read More
One of a credit professional's most valuable tools is an income statement. Also known as a profit and loss (P&L) statement, the financial document records a company's performance over a period of… Read More

Mention accounts payable (AP) to most credit and receivables pros and they automatically think of their collection headaches with the people who work for their customers. But that’s only part of

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