Customer Credit Analysis Template
Evaluate creditworthiness of new or existing customers. Assess ability to pay and establish appropriate credit terms and limits.
How to use this template
Gather customer information
Collect company information: industry, size, years in business, public vs. private. Obtain financial statements if available.
Analyze financial statements
Review customer's balance sheet, income statement, and cash flow. Calculate liquidity ratios, leverage ratios, and profitability metrics.
Check credit history
Obtain credit report from agency (Dun & Bradstreet, trade credit). Review payment history, bankruptcies, liens, or legal judgments.
Assess payment capacity
Evaluate customer's cash flow adequacy to pay proposed orders. Consider existing debt obligations and seasonal cash flow patterns.
Recommend credit terms
Based on analysis, recommend credit limit, payment terms (net 30/60/90 days), and any security requirements (personal guarantee, collateral).
Why use this template
- Minimizes credit risk and bad debt losses
- Enables appropriate credit limits based on customer creditworthiness
- Supports collection and dispute resolution
- Reduces working capital needed to fund receivables
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