ACE – Advanced Credit Evaluation.
Your Credit Policy. Automated.
Trusted by Finance. Powered for Sales.
Why ACE?
A Clear Before & After Comparison
Poor credit policy compliance and no track record of policy approvals
Sales are approving longer and longer payment terms without compensation for extra costs
Need to combine
input from several credit management suppliers
Person-dependent
and untransparent credit risk exposure
Sales unprepared for credit negotiations
Most processes and analyses are manual and time-consuming
Credit policy not aligned with business needs
Digitalized and dynamic credit
policy enforced automatically
Instant policy guidance and customer analysis
during negotiations, sales win most cases
One solution combining all internal and external data needed
Fully automated and instant customer specific credit risk management
Sales get all needed analysis and negotiation argumentation support
Automating all repetitive tasks, you can focus on value adding work
Policy based on business needs and updated yearly. ACE makes it work in day-to-day decision making.
How ACE Works – The Process
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At CapAid, we follow a time-saving six-step Credit Policy Definition Process to craft a credit policy tailored to your business. This process integrates industry best practices, your unique needs, and a focus on effective customer credit risk management. This whole process will only take a maximum of two meetings of two hours each meeting.
1. Preparation by CapAid: The process begins with data collection using a structured Excel template sent to you. This template identifies crucial metrics such as current payment terms, customer payment behavior, Days Sales Outstanding (DSO), and overall financial health. By analyzing this data, we establish a baseline of your current performance and compare it to industry best practices. For example, if your DSO is 57 days, we may set a target of reducing it to 52 days. We also prepare a draft policy rooted in best practices specific to your industry, whether you are manufacturing, wholesale, or project-based businesses.
2. Management Interview: Next, we will conduct a meeting to understand your credit risk appetite and business priorities. In this meeting, key questions are asked to clarify how strict you want to be with credit terms and your willingness to challenge your customers. For instance, we discuss scenarios like whether you’d extend credit to customers with weaker ratings to boost sales. We also examine your margin levels, as companies with higher margins can afford more credit risk, while those with lower margins need stricter policies. This step ensures the policy aligns with your business model and risk tolerance.
3. Policy Customization: Using insights from the interview, we refine the draft policy to suit your specific needs. Adjustments are made to parameters such as escalation authority levels, payment term limits, and cost of capital. For example, we define who can approve extended payment terms—sales staff, the finance team, or top management—and set limits to avoid undue risks. A plain-text draft of the policy is created, making it easy to review and understand.
4. Policy Walkthrough: In this step, we present the draft policy to you for review. During a detailed walkthrough meeting, we explain each policy element, its purpose, and how it will function in practice. Your feedback is incorporated directly during the session, ensuring the final policy is practical and tailored. Any adjustments requested are made collaboratively to finalize the document.
5. Policy Approval: Once finalized, the policy is submitted in PDF format for approval by your board or management team. The approval process formalizes the policy, noting the decision date and deciding body. This ensures that the policy aligns with the top management's intent.
6. Policy Digitalization: The approved policy is digitalized and integrated into our ACE system, automating its implementation and enforcement. This ensures consistent application and makes the policy easily accessible; you do not need to remember it ACE takes care of that. Each year, we revisit the policy with you to evaluate its effectiveness, adapt to changes in market conditions or financial strategies, and ensure ongoing relevance.
By following this six-step process, we ensure your credit policy is practical, customized, and positioned to support long-term business success.
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To negotiate payment terms with your suppliers
Core Capabilities of ACE
Lower DSO by up to 20% - 50%
Structured terms, automated reminders, and better collections.
Reduce Credit Risk
Real-time credit monitoring, alerts for high-risk customers, and built-in policy enforcement.
Improve Sales-Finance Alignment
Give your sales team full analysis of your customer and real-time visibility on terms and limits
Enforce Your Credit Policy Automatically
No more long policy documents to remember. ACE keeps track of all the policy rules and calculates customer-specific limits and cost of credit.
Save Time & Resources
ACE saves valuable time across your entire organization, from salespeople and finance teams to the CEO, CFO, credit department, and management. By automating approvals, tracking, and policy enforcement, ACE eliminates manual work, reduces internal back-and-forth, and lets everyone focus on strategy and growth instead of admin
Trusted by Finance & Sales Leaders
ACE helps you reduce overdue payments by over 30%. The policy process is fast, smart, and will give your salespeople structure.
You don’t realize how much cash is locked in receivables until ACE helps to fix your credit terms. With ACE, you will be collecting 2–3 weeks faster.
Expected Results
Metric
Impact with ACE
Average DSO reduction
10–30 days
Manual tracking reduction
Over 80%
Time to build policy
4 hours
Customers are motivated to pay on time
Payment term discipline
Full compliance from day one of using ACE
Credit policy compliance
Credit risk reduction
Reduced by 50%
Connect to Services
We’re Your Partner
ACE comes with ongoing support
Annual policy review
Data-driven performance check-ins
Consulting access for pricing, supply chain, and forecasting add-ons
Integration roadmap to COP, POS, and POP
FAQs
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ACE (Advanced Credit Evaluation) is a service that helps SMEs create, automate, and enforce their credit policy, while also empowering sales teams to negotiate payment terms based on real-time customer data. It combines expert consulting with smart automation to reduce payment delays, improve cash flow, and align sales with finance.
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ACE is built for:
CFOs and finance teams who want full control of credit risk and terms while spending less time on it.
CEOs and business owners looking to improve cash flow and enhance corporate governance.
Salespeople and sales managers who negotiate payment terms and want to win most negotiations.
No need for data collection, analysis and finding the right arguments, ACE does it for you.
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ACE gives your sales team live access to:
Approved customer specific payment terms
Customer specific credit limits
Customer payment accuracy and open invoices
Industry benchmarking data
Negotiation argumentation
All policy rules applied automatically when choosing customer
Automatically calculated dynamic credit cost
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Yes. All it takes is:
1 hour to give us basic information
1x 1-2-hour meeting to define your credit risk profile
1x1- 2-hour policy walkthrough and approval
We handle everything else: analysis, policy drafting, customization, and automation.
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No. Many of our clients don’t have a written policy — or have one that’s outdated or ignored. We help you create one from scratch based on:
Industry benchmarks
Customer payment data
Your goals and risk appetite
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Absolutely. Your credit policy will reflect your:
Customer segmentation
Approval workflows
Credit risk tolerance
Cost of capital
ACE can support strict or flexible policies, it’s up to you.
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ACE pulls insights from your invoice history to monitor:
Days Sales Outstanding (DSO)
Late payments per customer
Term violations
Customer credit behavior
It then alerts you to risks and enforces limits based on your policy.
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ACE is currently a standalone platform, but it’s designed to work alongside your ERP or invoicing tools.
You don’t need to change your system, just export basic customer and invoice data into our template.
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Not at all. While it gives finance full control, ACE is also a tool for:
Sales teams who want to enhance their negotiation capabilities and fulfil credit policy requirements without remembering all the rules and requirements,
Credit controllers who want to automate the repetitive tasks
Management teams who want to enhance the governance of customer credits
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Clients using ACE should expect:
10–30 day reduction in DSO
Fair treatment of all customers
Fewer internal approval emails
More disciplined customer payment terms
Full policy compliance across sales and finance
Strictly controlled credit risk
Better cash flow
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Yes. ACE has built-in term limits and escalation paths. If a sales rep tries to offer 60 days when the approved max is 30, ACE shows them:
That they’re outside policy
Who can approve the exception
This avoids surprises and keeps deals aligned with your financial strategy.
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We run an annual review with you. If your customers, market, or strategy change, your policy can too.
You can also request updates anytime if new needs arise. -
Security is a top priority. All client data is handled in compliance with GDPR and stored securely in encrypted environments.
We never share, sell, or expose your information.
We use Microsoft to provide a secure login
We use AWS for data storage
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We currently use English as the primary language.
Additional languages will be provided in the future.
We can operate in any part of the world, the only limiting factor is the availability of credit risk evaluation data. This will not prevent the use of ACE, but may limit the credit risk management functionality.
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Yes, we already offer manual versions of our credit policy consulting, customer analysis, and sales negotiation strategy.
ACE is built to scale with you: use what you need now, and expand as your business grows.