Minimum registration documentation
Objective definition of the documents, evidence and registration criteria required to analyze customers, representatives, shareholders, guarantors and related companies.
Credit Policy
Formal document for clear and secure credit decisions
We create a tailor-made Credit Policy for your company, establishing minimum rules and criteria for credit analysis, granting, and collection.
We define required documentation, guarantee rules, collection procedures and registration criteria, connecting commercial, administrative, credit and legal teams.
Policy scope
Clear rules to sell on credit, collect and decide exceptions
The policy turns scattered criteria into documented procedures: what must be required for registration, which guarantees are accepted, who decides each limit and how collections should advance when there is default.
Clear criteria
Registration data, limits and guarantees.
Approval levels
Who decides each scenario.
Cobrança
Notifications and escalation.
Adoção
Process adopted by the team.
Eligibility and guarantee criteria
Rules to frame limits, commercial conditions, required guarantees and situations that need reinforcement before credit approval.
Administrative and legal collections
Procedures for delays, notifications, escalation, renegotiation and legal handoff, with responsibilities known by all areas.
Exceptions, authority levels and committee
Structuring of approval levels, exception rules, credit committee composition and criteria for joint decisions.
System hardening and anti-fraud controls
Guidance to reduce off-process decisions, protect the ERP from operational shortcuts and create barriers against registration and commercial fraud.
Implementation and team training
Support for practical policy adoption, training commercial, finance, credit and collection teams to use the process consistently.
NicePayer Solutions
NicePayer offers integrated solutions for the entire credit cycle: Check NicePayer, credit policy, online software, and technical analysis, with guarantee formalization, proposal management, exception requests, and anti-fraud actions.
Check NicePayer
Debtor registration and consultation, with notification via CTT and email, Multibanco reference, API, and CSV file import.
Credit Software
We offer a complete platform for credit analysis, customer management, and guarantee formalization.
Credit Analysis
We carry out in-depth technical analyses of all your company’s credit proposals and debt negotiations.