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Trust, But Verify
The B2B credit risk scorecard that replaces gut feeling with structured judgment. Score a new customer in 2 minutes, before you learn their payment habits the hard way.
0 of 8 factors assessedScore: 0 / 330
01
How long has this company been operating?
Longevity doesn't guarantee virtue, but it's a decent proxy for not having gone bankrupt yet.
02
Where is the buyer located?
Geography is destiny — at least when it comes to payment culture and legal enforcement.
03
How large is the initial order relative to your average?
First-time buyers ordering 10x your average is not flattering. It's a red flag in a trench coat.
04
What payment terms are they requesting?
The longer they want to wait, the more they need your money working for them instead of you.
05
Can they provide verifiable trade references?
If a company can't name three suppliers who'd vouch for them, that tells you everything.
06
Have you reviewed their financial statements?
A company that won't share financials for a credit decision is a company with something to share.
07
How responsive and professional is their communication?
How they handle emails before the sale is exactly how they'll handle invoices after.
08
What industry are they in?
Some sectors are payment champions. Others treat invoices like suggestions.
This scorecard provides a structured framework for preliminary credit assessment. It does not replace professional credit reports, financial analysis, or legal advice.