Registration data and identity
Company, responsible parties, corporate group and consistency of the submitted documentation.
Credit analysis for businesses
Business Credit Analysis for Safer Sales
NicePayer combines policy, technology and expert assessment so your business can evaluate customers, reduce risk and grant credit using clear criteria.
NicePayer Solutions
Everything your business needs for credit analysis
From defining criteria to the final decision, NicePayer combines technical analysis, policy and software to reduce risk without blocking good commercial opportunities.
Specialist Credit Analysis
We assess documents, payment capacity, exposure and commercial context to support substantiated decisions.
Credit Analysis Software
Centralize customers, proposals, documents, approvals, guarantees and exceptions in an auditable workflow with full history.
Credit Analysis Policy
We document criteria, limits, guarantees, approval levels, collections and exception handling.
Check NicePayer
Register, check and regularize debtors in a dedicated service connected to commercial risk management.
Assessment criteria
What business credit analysis should assess
A check reveals signals. Analysis connects those signals with the transaction, company policy and actual payment capacity.
Payment capacity
Revenue, liquidity, commitments and cash generation compatible with the transaction.
Exposure and debt
Credit already granted, existing obligations and concentration of commercial risk.
Payment behavior and adverse events
Relationship and payment history, incidents and signals that require context.
Guarantees
Suitability and formalization of guarantees when the transaction requires additional protection.
Terms and exceptions
Sector, purpose, term, seasonality and justifications for decisions outside the standard.
What supports safer credit analysis
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Technical assessment of documents, payment capacity, exposure and commercial context to produce a substantiated recommendation.
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Definition of criteria, documents, limits, guarantees, approval levels and collection procedures.
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Credit analysis software that centralizes customers, proposals, documents, decisions and audit history.
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Centralized management of proposals with history, attachments, and digital approval flow.
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Automatic and customizable contract generation integrated into the credit analysis process.
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Special requests centralized in the system, with justification, approval and traceability.
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Debtor registration, checks and regularization, with formal notices and payment options.
How does our credit analysis consulting work?
First, we understand your needs. Then, we create the most suitable credit policy, protect your ERP, implement our credit system, and analyze your clients’ credit.
Credit Analysis Policy
We appoint a Credit Director who is responsible from start to finish for professionalizing your company's credit analysis process.
Credit Analysis Process Protection
We understand your current credit approval flow and make targeted recommendations to prevent fraud and attempts at improper credit manipulation.
Credit Analysis Implementation
With minimal disruption, we professionalize the credit analysis process of your medium-sized or large business in around 45 days.
Specialist content
Learn more about credit analysis
Practical guides to structure criteria, interpret risk and improve credit decisions.
How to prevent B2B payment defaults in Portugal
In insolvency proceedings, only 5.8% of recognized claims were paid. Act early.
70.3% of debts were paid within 30 days of negative listing
In the Serasa study, 70.3% were paid in 30 days. Registration costs €5.
Debtor List: What It Is, How It Works, and How to Check
Understand what the debtor list is, how it works, and how to check it.
Contact channels
Contact us by WhatsApp, email, or phone. If you prefer, book online.