Credit policy, built for how you actually sell

The credit policy that gets you paid.

Answer the questions a credit consultant would ask, and get a tailored policy your whole team can operate by.

The name comes from “aval,” a trade-finance term for standing behind a debt so it gets paid. It is what a good credit policy does for every sale you make.

Build your policy See what’s inside

Built by career credit and treasury professionals.

From your answers to a policy your team can run.

Tell us how you sell.

Answer the questions a credit consultant would ask. Where something isn’t in place yet, tell us what you want your policy to say. Your answers save as you go, so you can stop and come back.

A credit expert reviews it.

Your policy is drafted from your answers, then reviewed by a credit expert before it reaches you. Where something still needs to be put in place, you also get Review Findings: what it will take to get there.

Your policy, under your name.

Read it on screen, change any section, and download it as a Word document. It’s yours.

Walk through it together.

A 30-minute debrief after your review, to go over what was written and why.

Built section by section from your answers.

Credit policy

Mission, key success factors, and current-year objectives
Department organization, job descriptions, and delegation of authority
New accounts, credit applications, and credit limits
Account and risk classifications
Established-customer review procedures
Order approval and credit holds
Sources of information and answering credit inquiries
Terms of sale and extended terms
Regulatory compliance: credit decisions, credit reports, pricing, reserves, unclaimed property, and sales tax

Collections and procedures manual

The collection cycle, contacts, and cadence
Collection correspondence and dunning
Statements
Deductions and disputes
Bad checks and NSF items
Cash application
Bad debts, write-offs, and reserve ownership
Bankruptcies, agencies and attorneys, and lawsuits
Credit department reports

International accounts

If you sell outside the US.

International accounts and terms by country
Letter of credit requirements
International collections
International bankers and services

Every policy includes:

Reviewed by a credit expert before it reaches you
A 30-minute coaching debrief, scheduled after your review is complete
Editable sections you can change any time, before or after the debrief
Download as a Word document

One price, paid once.

Credit policy

Included in every build

$499

Collections and procedures manual

Add to your credit policy

$499

International accounts

If you sell outside the US

$249

These are launch prices for our founding customers, and they will go up. You pay once, before the questionnaire. All sales are final.

Build your policy