April, 2025

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Are Your Collection Efforts Myopic?

Your Virtual Credit Manager

In too many organizations, credit and collection decisions are compromised by the fog of war. Gathering all the details needed to inform a decision becomes a time-eating burden. For example: to make an effective collection call, you need to know who to contact, the AR status and AR details of the account, if there are any disputes, and what prior efforts have been made to collect the balance due.

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The Future of B2B Buying Is Seamless—Is Your O2C Process Keeping Up?

TreviPay

A Q&A on Fixing the O2C Process in APAC The way businesses buy is changing, and if your Order-to-Cash (O2C) process isnt keeping up, youre making it harder for customers to do business with you. 87% of buyers want a B2C-like purchasing experience and 90% expect suppliers to understand their unique needs and expectations. The easier you make it for them to purchase, the more likely they are to keep coming back.

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RMAI Launches Version 13.0 of the Receivables Management Certification Program

RMAi Blog

April 1, 2025 (Sacramento, CA) The RMAI Certification Council announces the adoption of version 13.0 of the Receivables Management Certification Program (RMCP) after a lengthy development and review process. As of today, all new and renewing applications will be held to the newly revised standards. Several significant enhancements were added to the program in version 13.0, including: Aligning the Data Security Standard with the FTC Safeguards Adopting provisions on how to handle coerced Adoptin

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Why people don't use automated accounts receivable

Chaser

Accounts receivable (AR) automation offers a more efficient and cost-effective way to manage cash flow, reduce errors, and accelerate the collection process. Yet, many businesses still hesitate to adopt AR automation. Despite its clear benefits, some common misconceptions and concerns prevent organizations from making the switch. This article explores the most common excuses for not automating accounts receivable and provides a closer look at the reality of each.

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Outsourcing Vs. In-House: The Ultimate Battle For Better Collections

Speaker: Susan Richards

Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.

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Why financial institutions are rethinking 2D risk rating models

Abrigo

This article covers these key topics: The difference between 1D and 2D risk rating models How CECL has impacted the necessity of a dual approach Why the LGD variable is so difficult to pinpoint Does your risk rating framework align with your CECL needs? More banks are rethinking the value of two-dimensional (2D) risk rating models as CECL and real-world challenges with LGD raise questions about their practicality.

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Here Are the Distress Signals Private Firms Flash When They Are in Trouble

Your Virtual Credit Manager

According to data from the Administrative Office of the U.S. Courts , commercial bankruptcy filings increased 40.3% in the 12-months ending June 30, 2024. Since then the U.S. has gone through a tumultuous change in presidential administrations resulting in enormous government layoffs and economic instability driven by a novel approach to tariffs. In response, the stock market is 18 percent off its 52-week highs—a strong harbinger of recession in the coming months.

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Financial Planning for Digital Nomads: Managing Money Across Borders

Due

Those of us whove spent many years working remotely have daydreamed more than a few times about working from a beachside cafe while managing clients. It sounds idyllic until tax season comes along. Digital nomads face unique challenges when handling money, whether its international banking, tax confusion, or too many currencies. If you are a location-independent professional, your financial headaches need solutions, regardless of where you wake up tomorrow morning.

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Working at Onguard: Meet Christine

Onguard

Shes an Olympian, a record-breaker, a marathon runner, and, believe it or not, a medical biology graduate. But thats not all. Christine Toonstra is also a technical Consultant at Onguard! From the Olympic track to technical consulting Before she started working at Onguard; before she ever wrote a single line of code or started solving complex customer challenges, Christine was chasing something else: Records.

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The 10 Best Banks for Small Businesses in 2025

FundThrough

Key Takeaways: Key Features to Look for in a Small Business Bank: Small business owners should prioritize customer service, security, competitive rates, and comprehensive features like checking, savings, loans, and mobile banking capabilities when choosing a bank. Types of Banks: The article compares neobanks, national banks, regional banks, and credit unions, emphasizing their suitability […] The post The 10 Best Banks for Small Businesses in 2025 appeared first on FundThrough.

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Modern loan review scope: Is your institution utilizing the best tools available?

Abrigo

This article covers these key topics: Hindrances to sound loan review scoping What loan review should be able to do How to stop scoping like it's 1985 Bringing your loan review scope into 2025 Determining the scope of a financial institutions loan review is the foundation of an effective loan review process. No matter how skilled your analysts are, if you arent looking at the right data, you are not adding valueyou may just be restating the obvious.

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Know-it March Roundup

Know-It Global

Spring has arrived! This month there have been key financial updates from the UK government after the release of the Spring Statement. Find out what’s been happening and what it means for your business below. UK Government Releases Spring Statement Wednesday 26 th March, saw the release of the UK governments Spring Statement. This announcement gave Chancellor of the Exchequer Rachel Reeves an opportunity to update the nation on progress made since the last budget in October 2024.

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Student Loan Delinquencies and Your Credit Score: How To Help Rebuild

CreditStrong for Business

The end of the student loan payment pause, coupled with the return of delinquent loan reporting, has left many borrowers scrambling to manage the consequences. According to the Federal Reserve Bank of New York , more than 9 million Americans could soon see significant drops in their FICO scores, some by over 150 points, due to the reappearance of delinquent student loans on credit reports.

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Why Prioritizing Wellness Is a Smart Financial Strategy for Women

Due

As women age, the importance of self-care becomes more crucial, not just for emotional well-being but for financial health , too. Many women over 35 juggle the pressures of career, family, and personal expectations, often sidelining their own needs. However, prioritizing wellness through practices like retreats, education, and preventive healthcare will save money in the long run by reducing healthcare costs, preventing chronic conditions, and improving productivity.

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Q & A: Get to Know Business Development Representative and Account Manager Will Bulkowski

Team Financial Group

Will worked his way up at Team Financial Group in classic fashion, interning with us while earning his degree in finance at Michigan State University. After graduation, he would become a full-time member of Team Financial Group in January 2021 and has been an important part of our operations ever since. We recently took some time to talk with Will about how dedication, devotion, and personal development have shaped his work both with clients and his community.

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7 Common Myths About Invoice Factoring – Debunked!

JNI Commercial Lending

Effective cash flow management is critical to the success of any business. For small business owners, construction companies, equipment managers, and entrepreneurs alike, maintaining healthy cash flow can be a daily challenge. Late payments from clients, extended credit terms, or simply waiting on massive unpaid invoices can create financial bottlenecks that strain your operations.

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The Difference Between an MCA Loan and Invoice Factoring – Updated for 2025

Eagle Business Credit

Invoice Factoring vs MCA Loans: Which is the best for easy access to working capital in 2025? In today’s ever-changing economy, small business owners have several alternative business financing options , each with distinct features and implications. Two of the most popular business funding sources are Merchant Cash Advances (MCAs) and Invoice Factoring.

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CPG CFOs: Why Autonomous Finance is Your Next Big Move in 2025

Emagia

As a CFO in the Consumer-Packaged Goods (CPG) sector, you’re navigating one of the most competitive, fast-moving, and margin-sensitive industries on the planet. Demand swings, retailer pressure, global supply chain disruption, promotional volatility and all under the unrelenting mandate to deliver shareholder value. Amidst this chaos, the 2025 Finance Technology Bullseye Report from Gartner signals a new era for finance leaders: Autonomous Finance is not just a buzzword , its the centrepie

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The future of American manufacturing

Cpcmcredit Blog

The clip below is probably AI generated but is quite wonderful and is going relentless viral online Of course few factories that return will be anything other than automated and frankly with lead times for building plants exceeding two to three years, its going to be a brave business that wishes to invest in what is now a dysfunctional and grossly unstable economy.

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Find Your Passion: 50 Hobbies to Enrich Your Retirement

Due

Retirement marks the beginning of a new chapter in life, where passions can be explored, skills developed, and activities that bring joy and fulfillment can be indulged in. Whether you want to express creativity, be physically active, be intellectually stimulated, or engage in social activity, theres a hobby thats perfect for you. Here, weve compiled a list of 50 hobbies that are perfect for retirees.

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Unlock Business Growth with Client Accounting Services from AccountingDepartment.com

Accounting Department

As a business owner, you're undoubtedly aware of the myriad responsibilities that come with the territory. From strategic decision-making to managing day-to-day operations, your plate is full.

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Aryza Announces Strategic Acquisition of  RiskLogix Solutions

Collenda

Aryza Announces Strategic Acquisition of RiskLogix Solutions , Expanding Capabilities and Geographic Reach Aryza, a global provider of mission-critical automation software across the credit lifecycle, is pleased to announce the acquisition of RiskLogix Solutions, a prominent provider of governance, risk, and compliance (GRC) solutions. This strategic acquisition reinforces Aryzas commitment to delivering best-in-class Credit & Debt Lifecycle Management SaaS solutions and positions both comp

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Making tax digital – the useful bits have little to do with tax!

blue dot counseling

Separate bank accounts and accounting software are the key to MTD. If you have them then you're well on your way. The post Making tax digital – the useful bits have little to do with tax! appeared first on Blue Dot Consulting.

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Trade Credit & Liquidity Management Newsletter

Trade Credit & Liquidity Management

Featured Articles Help us grow the Trade Credit & Liquidity Management community by sharing this newsletter. Share Conversations Trade Credit & Liquidity Management is a reader-supported publication.

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Calculate how long it takes to get paid

GoCardless

Find out how long it takes you to get paid and the impact on your business

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Moderna Stock Falls After Resignation of FDA Official

Due

Recently a major FDA official Peter Marks announced his resignation, heavily impacting biotech stocks such as Moderna. Wall Street is currently stressing about the future of biopharmaceutical companies and the industry as a whole. Moderna Stock Falls Marks played a significant role in the FDA for biopharma companies, as the director of the Center for Biologics Evaluation and Research (CBER), which is within the FDA.

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The ADC Team Attends the 2025 EOS Conference

Accounting Department

Last week, the AccountingDepartment.com team attended the 2025 Entrepreneurial Operating System (EOS) Conference in National Harbor, MD.

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What Is a Credit Order Hold? How Modern Holds Protect Cash Flow and Speed Up Sales

Bectran

Did you know that 41% of B2B sales delays are due to inefficient credit order hold processes? Too often, these holds act as bureaucratic speed bumpsnecessary, but frustrating. But what if they could be something more? What if, rather than slowing business down, they could enhance operational efficiency, improve customer satisfaction and serve as a gateway to scalable growth?

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SMB Lending Around the World in 2025: What You Can Learn 

Biz2X

Reading Time: 4 minutes Small business lending is booming. According to the March 2025 Unsecured Business Loans – Global Strategic Business Report from Research and Markets, the global market for unsecured business loans is valued at $5.5 trillion in 2024. Steady growth is expected, with projections showing that the unsecured business loan market could reach $9.3 trillion by 2030.

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The Benefits of Real-Time Payments

Trade Credit & Liquidity Management

As a B2B vendor, implementing real-time payments can significantly enhance your business operations and financial health. Real-time payments enhance liquidity through immediate fund access, enabling optimized working capital and reduced cash buffers, while operational efficiency improves via automated reconciliation and reduced administrative tasks.

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Scale your payments to scale your business

GoCardless

Use our guide to understand your payments process and how best to scale it

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Tax Efficient Investment Strategy Review

Due

A new investment method that delivers impressive returns while reducing taxable income has garnered attention among high-net-worth families. This analysis explains how the strategy works, highlighting its consistent gains and tax benefits. The strategy focuses on generating strong performance even in years when traditional benchmarks have suffered. In addition, it offers a unique tax advantage that can help lessen tax burdens for high-income earners.

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The Power of Financial Dashboards for Real-Time Reporting

Accounting Department

In today's fast-paced business landscape, staying informed about your company's financial health isn't just beneficialit's crucial. However, the challenge often lies in navigating the sea of data and turning it into actionable insights.

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What Is a Credit Order Hold? How Modern Holds Protect Cash Flow and Speed Up Sales

Bectran

Did you know that 41% of B2B sales delays are due to inefficient credit order hold processes? Too often, these holds act as bureaucratic speed bumpsnecessary, but frustrating. But what if they could be something more? What if, rather than slowing business down, they could enhance operational efficiency, improve customer satisfaction and serve as a gateway to scalable growth?

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