Decide credit limits & payment terms in minutes, safely.
A structured, evidence-based engine that sizes a defensible credit limit, payment term and security tier for any B2B buyer. Protecting you from default while still enabling the sale. Built from the seller's side: finance as an enabler of growth, not a blocker.
skip introWhat it does
In one line: it turns a credit decision into a defensible number: a limit, payment terms and a security tier. In minutes, with the reasoning both you and your buyer can accept. No more deciding limits by gut feel or a round number.
How it works
Financials, references, facility & how they'll buy.
Limit, terms and security tier. With every formula shown.
A plain-language analyst & CFO read both sides accept.
A signed-off PDF for CFO & management approval.
A structured decision-support framework for SME sellers, built on your inputs, best-practice benchmarks and your own appetite. It complements, not replaces, a credit-bureau check or trade-credit insurance.
Setup
What does the Credit Limit & Payment Terms Calculator do?
This tool helps you set a credit limit and payment terms for a business customer. It weighs the customer's profile, trading history and risk factors and suggests a limit and terms you can explain to your sales and finance teams.
How to use it
- Enter the customer's set-up details, financials, bank and trade references and payment history.
- Work through the stages from opening limit to full limit.
- Review the suggested credit limit and terms, and download the full credit report to keep it.
Credit Limit & Payment Terms Calculator: questions and answers
Why use a structured credit decision?
It makes credit limits consistent across customers and salespeople, links them to risk, and gives you a record of why each limit was set.
Should I rely only on this result?
Use it as a starting point. For large exposures, add trade references, financial statements and any credit insurance terms.
What happens to the information I enter?
The calculation runs in your browser. To get the full report you are asked for your contact details; when you send them, your details and your assessment inputs are emailed to Valorin so we can follow up if you want. Nothing is sent before you choose to submit.
Is the result tax or financial advice?
No. The result is an estimate for planning, based only on the figures and answers you enter. It is general information, not legal, tax or financial advice. For a decision, have your position reviewed against your full facts.
Related
Want a second opinion on your result? WhatsApp 058-2754282 or send a request.
General information only, not legal or tax advice.