How far can you safely extend terms?
Once you trust who a party is, the next question is how much business to do on credit. CHEMALOT reads the financial and behavioural signals and suggests a limit you can defend.
A suggested limit, with reasons behind it.
A credit limit should not be a gut call. CHEMALOT combines what it knows about the entity into a suggested exposure, so the starting point for the conversation is grounded rather than arbitrary.
- Financial signals from the entity feed a suggested credit exposure.
- Behaviour over the relationship, such as how the account has paid, is factored in.
- The suggestion is a starting point for a human decision, not an automatic approval.
Reassessed when the risk picture moves.
A limit set a year ago is a stale limit. Reassessment is triggered by the events that actually change risk.
A new risk flag
A fraud signal or compliance lapse on the account prompts an immediate reassessment of exposure.
A shift in behaviour
A change in how the account pays or trades moves the suggested limit up or down.
Time and review cycles
Scheduled reviews keep the number current even when nothing dramatic has happened.
Extend terms on evidence, not instinct.
Book a demo to see a suggested limit built from real signals.