When one order commits months of capacity, the credit decision comes first.
Manufacturers extend trade credit against orders that consume production time long before they produce cash. A distributor or dealer account that deteriorates mid-run ties up a line that was booked for someone else. SCREDIT puts the financial analysis, the bureau data, and your credit policy in front of that decision instead of after it.
What is credit management for manufacturers?
Manufacturers typically extend credit to a comparatively small number of distributors, dealers and large direct accounts, each carrying a substantial limit and often long payment terms. Credit management here concentrates on deep analysis of a few significant exposures, on group structures where a parent and its subsidiaries buy separately, and on review cycles that keep pace with long production and payment lead times.
The exposure is not the invoice. It is the capacity already committed to it.
Credit limits live in the ERP, financial statements sit in an inbox, and the reasoning behind a limit set eighteen months ago is in someone's memory. When a dealer asks for more, the analyst reconstructs the case from scratch — or approves on relationship and hopes. Neither scales as the order book grows.
How SCREDIT fits this operating model
Financial statements, spread automatically
Uploaded statements are extracted and mapped to canonical metrics — liquidity, leverage, coverage, trend — so an analyst reviewing a large dealer order starts from ratios rather than a blank spreadsheet.
Limits with review dates, not set-and-forget
Every limit carries the scorecard, the risk band, and the policy threshold that produced it, plus the date it comes back for review. Standing watchlists flag deterioration between reviews.
Exposure across dealers, distributors, and direct accounts
Parent-child account structures roll up so a group's total exposure is one number, across entities and currencies, rather than four separate limits nobody adds together.
What changes
A decision you can reconstruct
The scorecard, the inputs, the approver, and the reasoning are recorded together. A manual override will not save without a written reason.
Deterioration you see before the order ships
Bureau and payment-behaviour signals surface on the account while there is still time to change terms.
The ERP still owns the ledger
SCREDIT decides and records; your ERP keeps invoicing, terms, and cash application exactly as it does today.
Built to survive a security review
Tenant isolation, full audit trails, and role-based access. Trust Center materials support vendor evaluation and security questionnaires.
See SCREDIT on a real dealer credit file.
Bring an actual application and a set of statements. We will run them through the scorecard live rather than show you demo data.