Accelerating Growth and Reducing Risk: How Clients Improve Trade Credit Efficiency with Koverly
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Challenges
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Manual, slow onboarding processes causing sales delays
Difficulty in managing and assessing credit risk
Lack of integration with existing ERP systems
Inefficient collaboration across sales, finance, and credit departments
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Solution
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Onboard faster and optimize terms
- Intuitive customer application
- Built in validations
- Speed up your time to first sale by confidently extending competitive and responsible payment terms.
Predict risk and protect your business
- Access comprehensive, always up-to-date signals to anticipate credit risk, limit your exposure and safeguard a health cash flow
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Break down silos with real-time connectivity
- Unite sales, finance and customers around a single source of truth
- Track trade activity, identify growth opportunities and monitor risk trends
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Key features implemented
- AI-powered onboarding and risk assessment through branded URL link
- Automated data sharing and verification
- Real-time insights dashboard
Results
Quantitative Outcomes
Reduction in onboarding time (% or days)
Improvement in credit approval speed
Revenue impact (increase in sales or reduced Days Sales Outstanding - DSO)
Qualitative Outcomes
Enhanced customer experience
Improved internal team collaboration
Increased transparency and efficiency in credit management
How it works
Customer Onboarding
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Branded, Flexible Application Flows
- Create unlimited, custom-branded onboarding forms with region- and product-specific questions
Intuitive, Mobile-First Design
- Fast, responsive forms designed for any device—streamlining conversions
Real-Time Verification & Data Collection
- Synchronous user verification with bank connection, trade reference submission, and bureau reports—providing decision-ready profiles immediately
Workflow and Collaboration Tools
- Shared dashboards across finance, sales, and customers to monitor credit use and submission status
- Built-in actions like reviewer assignment, compliance updates, document refreshes, and automated credit-review triggers
Fraud & Verification Suite
- Email/domain analysis (age, reputation, blacklist), OTP email verification.
- Business verification via IRS and Secretary of State databases: EIN, legal name, and registered address validation
- Identity checks for principals: name, SSN/Tax ID, DOB, photo ID cross-checked with authoritative sources .
Risk Management
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Central Risk Dashboard
- Work queue prioritized by signal severity
- Tracks financial accounts, bureau score changes, legal issues (liens, bankruptcies), and more
Automated Insights
- Automated data refreshes allow for replacing scheduled reviews with real-time intelligence
Comprehensive Signal View
- Combines data across banks, bureaus, references, and A/R for a holistic view of customer risk
A/R Intelligence Integration
- Monitor spend vs. credit, track DSO trends, analyze aging
- Identify accounts for credit increases or holds based on usage and behavior
Continuous Risk Monitoring
- Ongoing alerts based on signals from banks (balances, NSFs), bureaus, and A/R. Accounts are ranked by change severity
- Ongoing alerts based on signals from banks (balances, NSFs), bureaus, and A/R. Accounts are ranked by change severity
Decisioning Automation
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Configurable Decision Scorecards
- Build tailored scorecards based on key insights from bureaus, bank data, trade references, etc.
Instant Risk Assessments
- Auto-fetched bureau reports at application time, with live refresh capability
Bank Data Integration
- Real-time balance and liability insights — including NSF alerts — directly via integrations with over 16,000 banks
Automated Trade References
- Smart reference requests via email; reminders to improve response; structured data collection and verification
Collaborative Review & Sales Tools
- Assign reviewers and configure queues to manage workflow effectively
- Sales dashboard features automatic rep attribution (via referral links), status updates, and queues for incomplete applications and follow-ups
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Begin your journey
with Koverly
with Koverly
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