Credit Management

Manage your credit risk and minimise losses

We’re focused on supporting your business credit and cash flow management, helping to reduce your exposure to bad debts and making it easier for your company to manage credit risk.

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Solving Challenges

Ready4 Credit Management is a global suite of SAP integrated modules that fits seamlessly with your SAP ERP and SAP S/4HANA. It minimises credit risk and boosts corporate results, by helping you to proactively avoid bad debt losses and sustainably increase your company’s success.

Its ready-to-use functionality optimises your order-to-cash processes with an end-to-end credit policy, giving you an active role in control and making your supplier credit risk completely transparent.

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  • Manage your cash position and liquidity
  • Credit check your customers and suppliers
  • Improve your debt recovery process
  • Predict credit risk and make the right decisions

Credit Management Modules

Credit Rating Bureaus


Get up-to-date solvency and payment behaviour information from leading credit agencies and payment behaviour pools like Creditsafe, Dun & Bradstreet, Skyminder or Creditreform. Use this information to screen companies and individuals for possible risk indicators.

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Risk Management

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Combine internal and external information such as credit reports and your own business history to implement a fully automated scoring and management-by-exception process. Additionally, manage guarantees and credit limits to secure your invoices with fully digitalised credit limit approvals.

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Credit Insurance


Safeguard your business by insuring your invoices. Automate all processes from application, handling and fulfilment of insurance cover. Efficiently handle named and unnamed credit insurance and simplify meeting your insurance company’s obligations.

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Receivable Sales


Turn invoices into immediate cash by offering them to banks and factoring providers. Transfer and offload the risk and free up valuable resources to concentrate on your core business.

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Dispute Management


Internally track unpaid invoices and settle dispute cases with an 360° overview of your customers and all measures taken. Collect all relevant information at a centralised location.

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Cash Collection


Reduce depreciated receivables by having them recovered by specialists. Drastically cut down the labour in communication with collection agencies by automating the whole process from submission and obligatory follow-up registrations to the posting of the results.

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Built upon +25 years of experience
Built in collaboration with +500 existing customers
Includes 20 credit agencies, insurers and banks
Covers all aspects of your credit policy
International consulting team in many countries
Offers a central repository of credit information
Automates most processes following a management-by-exception policy
Fully transparent supplier credit risks, enabling active management
Can be used for both new and existing business partners
Reduces your DSO and sustainably improves your cash-flow
Fully compatible with SAP ECC and SAP S/4HANA
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Easy migration path from SAP GUI to SAP Fiori
SAP Certified Partner Solution for SAP S/4HANA


- 140 _ Credit Management Suite Master



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