Any company irrespective of its size and economical activity should always control quantity and quality of its debts (accounts payable) and of customer debts (accounts receivable). Furthermore, it is the highest priority task to have a clear understanding of financial reliability and stability of suppliers and Your customers.

To generate and to analyze all these data allows a system of risk-management.

Symetra Finance LLC offers following set of services in field of risk-management:

•    Management of account payable;

•    Management of account receivable;

•    Commercial loan;

•    Analysis of counterpart reliability;

•    Scoring model determination;

•    External risk-management;

Management of account receivable

Account receivable is the amount of client’s debts in favor of a company (private entrepreneur) for already shipped goods or services.

Account receivable is a part of working capital of a company irrespective of volume, term or source of indebtedness or other factors influencing its forming. Account receivable is a category of commercial loan granted by a seller of wares or services.

We do following tasks in respect of accounts receivables management:

•    Factor analysis of existing indebtedness, determination of receivables turnover and ways of indebtedness decreasing. 

•    Inventory of bad receivables, ways of repayment or restructuring.

 

Management of account payable

Account payable is a company indebtedness to be paid in favor of other counterparts. Account payable arises if wares (works/services) were shipped before respective down payment was made.

High level of account payable worsens common financial situation of a company. In Ukraine according to the accounting standards exist following types of account payable:

•    Indebtedness in favor of suppliers and contractors;

•    Indebtedness in favor of personnel;

•    Indebtedness in favor of off-budget funds;

•    Tax indebtedness;

•    Other indebtedness.

Our company will assist You in solving tasks concerning debt management in favor of contractors, suppliers and other creditors.

Set of services:

•    Factor analysis of existing indebtedness, determination of its turnover level;

•    Determination of optimal level of account payable volume for a company;

•    Bad debt restructuring.

Commercial loan

Commercial loan is a kind of account receivable, a loan granted by a seller in favor of a buyer in non-monetary form (wares) through their selling under condition of post-payment.

Types of commercial loan:

•    secured loan — sold wares belong to the seller till the moment of full down payment from the side of a buyer;

•    blank loan — property right to a sold ware transferred in favor of a buyer at the moment of deal arrangement before full down payment.

Set of our services in respect of commercial loans:

•    analysis of financial situation of a company granting commercial loan, analysis of possibilities of commercial loan granting; 

•    determination of individual parameters of commercial loan;

•    handling bad commercial loans.

Analysis of counterpart reliability

Analysis of counterpart reliability (both – private persons and corporates) foresees analysis of its financials, determination of possible commercial loan volume, factor analysis of its credibility through checking different databases for positive/negative entries:

-        credit bureaus;

-        notaries — state and private;

-        tax administration;

-        courts;

-        executive service;

-        Interpol etc.

Scoring-model determination.

Scoring-model is a system of preliminary estimation of counterparty risk (private person or corporate) based on mathematical model. It is used as subsidiary system for decision taking. Basis of such system is a unified appraisal form obligatory for filling in. Special scores to be calculated for each counterpart. Scoring-model accelerates the process of decision taking and minimizes human factor in the process of loan granting.

We offer following services in the category “Scoring-model”:

•    Determination of key requests for the model;

•    Determination of an appraisal scale;

•    Creation of an appraisal form;

•    Running an appraisal, result evaluation, reporting;

•    Support and adaptation.

External risk-management

External risk-management means full outsourcing of the controlling and analytical functions (external management).

External risk-management includes all options of this charter:

•    Management of account payable;

•    Management of account receivable;

•    Commercial loan;

•    Counterpart reliability analysis;

•    Determination of scoring-model.

Pricing

Name	Description	Price
External risk-management	Account payable.	To be discussed. From UAH 1 000.
	Account receivable.	To be discussed. From UAH 1 000.
	Commercial loan.	To be discussed. From UAH 1 000.
	Counterpart analysis.	To be discussed. From UAH 500 for each level.
	Scoring-model.	To be discussed. From UAH 5 000.
	External risk-management.	To be discussed.

* Preliminary prices – end price to be determined in Symetra-Finance LLC written offer ONLY.

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