Credit & Cash-Flow Audit
A structured review designed to identify weaknesses in a company's current credit and receivable process. Companies often discover that small process improvements can significantly improve cash-flow stability.
What We Evaluate
The Credit & Cash-Flow Audit is a structured diagnostic review of a company's current credit and receivable processes. It is designed to surface structural weaknesses before they compound into larger cash-flow problems.
Credit Approval Process
How new customers are approved for credit — the documentation collected, the evaluation criteria applied, and the authority structure governing decisions.
Invoice Management
How overdue invoices are managed — the follow-up cadence, the communication approach, and the escalation triggers in place.
Credit Risk Monitoring
How credit risk is monitored on an ongoing basis — whether payment behavior is tracked and whether credit limits are adjusted based on performance.
Receivable Follow-Up Execution
How receivable follow-up is actually executed — whether it is consistent, documented, and managed by a defined process or handled informally.
The Banker's Credit Audit
These are the ten questions a commercial banker would ask when evaluating a company's credit and receivable practices. Answer honestly — companies answering "no" to several of these questions typically have structural weaknesses in their credit-to-cash process.
Do you have a documented credit approval policy?
Are credit applications collected for every new customer?
Do you verify trade references before extending credit?
Are personal guarantees required for large credit exposures?
Is there a specific person in your organization that follows up on invoices?
Is there a defined follow-up cadence for past-due invoices?
How many invoices are currently more than 60 days past due?
Do you track customer payment behavior over time?
Do you perform background checks on new commercial customers?
Do you have bad debt expense writeoffs?
0 of 10 answered
What Happens After the Audit
Review & Findings
Clearline reviews your current credit and receivable processes and documents specific weaknesses and gaps.
Recommendations
A structured set of recommendations is delivered — identifying which processes need to be installed or improved.
Engagement Proposal
If there is a fit, Clearline proposes a fixed-fee engagement to install the recommended workflows.