Credit risk on your payables
The engine reads your payables and shows you how much of your purchasing each supplier holds, how you pay them, and where your dependence is concentrated. Every supplier gets a score with a plain word and its reasons, and your team decides.
The idea
In payables the risk isn't that you can't pay. It's that someone you depend on stops. A supplier in trouble can stop a production line, a branch or a whole contract, and the effect reaches your ledger weeks later, not on the day.
The engine reads the ledger from that side: each supplier's share of your purchasing, your payables aging, how you pay each supplier, and whether its invoices are sound. Every supplier gets a score from 0 to 100 with a word and reasons, the same way your customers are read.
Concentration is what turns a small problem into a big one. A supplier holding a large share of your purchasing matters far more than its score alone, so the engine shows the score and the concentration together.
How
Connect your accounting system through the connectors, or drop your payables file into the data pool
Checks incoming invoices: the stamp, the hash chain, and the same invoice booked twice
Measures each supplier's share of your purchasing, and gives it a score with a word and reasons
Reads the score, its reasons and the suppliers your purchasing is concentrated on, and decides
From the platform
The aging ladder from not yet due to over 420 days, your payment behaviour with suppliers, and the days of cash gap between collecting and paying. Captures from the platform on a sample company's data.
The engine, step by step
Six steps: the invoices arrive scattered with the account statement, the engine reads and orders all of them, and out come the ECL reports and the counterparties whose position is financially sound, alongside the regulatory standing and records, ending in analysis that supports your decision.
1/6Scattered invoices
Invoices from different customers arrive apart, with no clear picture of the financial accounts.
Step 1 of 6
An illustration. The counterparty names and figures here are examples we wrote to explain the reading, not the financial accounts of Fkah or of any client.
Each comes with a different question: the company sees each supplier's score and its reasons; the financial institution sees the picture of its client's payables that the client shared, with no assessment of the client's suppliers.
A reading of every supplier on your own purchase ledger, with the purchase concentration that can turn one name into a weak point in your operations.
A financial institution reads the purchase ledgers its clients share with it, with their consent: what the client owes and to whom, its purchase concentration, payables aging, and the invoices that failed the checks. It gets no assessment of its client's suppliers, and the decision stays with its credit committee.
Fit
Package
This assessment is in the Payables package, and also in the Receivables + Payables package if you want both sides with your net position.
The subscription is set by package and tier. For details, contact the team.
Your suppliers, payables aging, supplier findings and concentration, and supplier and sector reports. Connectors to your accounting system come with every tier.
See the systems you can connectNext step
Leave your details and someone from the team will get in touch. Registering commits you to nothing.
The other side of the ledger
