Credit portfolio management tools to extend credit with confidence.

Set the right limits, monitor exposure, and make credit recommendations backed by data

Understanding Coface Credit Opinion

The Credit Opinion is our credit recommendation for your specific exposure. Based on solvency assessment and payment behavior analysis, we suggest a credit limit range in your local currency—not a generic rating, but a concrete number you can use.

What makes Credit Opinion valuable:

Tailored to exposure: The limit reflects real-world transaction sizes, not theoretical maximums
Dynamic: Track changes over time with Monitoring; adjust your terms as situations evolve
Expert-backed: Our underwriters review complex cases; you get their judgment, not just an algorithm

Advanced Credit Opinion: Solvency Assessment for Large Exposures

When standard credit limits aren't enough, request an Advanced Credit Opinion. Our analysts perform deep solvency assessment including:

Extended financial analysis: 5-year trends, cash flow modeling, debt structure review
Solvency assessment ratios: Current ratio, quick ratio, debt-to-equity, interest coverage
Management evaluation: Track record, ownership structure, strategic direction
Market position: Competitive landscape, industry risks, customer concentration

Advanced solvency assessment is recommended when exposure exceeds standard thresholds or when dealing with complex group structures. Typical turnaround: 5-7 business days for comprehensive creditworthiness evaluation.

Why did they choose Coface Business Information for credit portfolio management?

Renato, Senior Lean Manager

For the past two years, we have been providing our sales people with the @Credit opinion between the last prospecting call and the first appointment. This creates a differentiated allocation of their effort that has taken our sales effectiveness up a notch.

Günther, Export Manager South Asia, Australia & New Zealand

I have realised that our word carries more weight when it comes to obtaining payment conditions from the financial department since our information comes from Coface. There is a measure of trust that wasn't there before.

Unique Business Information quickly available online

We provide web data exchange solutions (API) tailored to your company’s needs so you can manage your Coface credit insurance contract within your own tools.

Whether you opt for a simple technical solution or all-inclusive integration, you can connect your company directly to the information provided by Coface allowing you to focus on key risks securely and reliably.

Explore Coface API catalogue: integrated solutions for Trade Credit Insurance and business information.

Your platform for credit risk monitoring and risk scoring. Track payment behavior across your portfolio. Get early warnings before defaults happen. Protect your receivables with data-driven decisions.

Explore Coface Business Information

URBA360 is your credit risk assessment tool. Accessible via Coface Business Information, explore the Coface Score, payment behavior analysis, and sector risk for any company worldwide.

Mitigate your credit risks
Define your best investment strategy or accept new buyers with the right payment terms relying on our Score
Manage your credit risks by using our information and Score
Insights about your business partners
Vendor assessment and supplier information to evaluate partners with confidence.
Insights about your business partners
Evaluate any company in 1 click with URBA360
Access key indicators to evaluate a business with URBA360, your global business risk analysis tool.
Evaluate any company in 1 click

Frequently Asked Questions

Credit Opinion removes the guesswork from credit limit setting. Instead of relying on gut feel or arbitrary formulas, you get a credit recommendation based on financial analysis, payment behavior, and sector context. Use it as:

A starting point for new customers
A benchmark when customers request higher limits
A trigger for review when the opinion changes

Credit Opinion doesn't make the decision for you—it gives you the data to make a defensible decision.

A starting point for new customers
A benchmark when customers request higher limits
A trigger for review when the opinion changes

Credit Opinion doesn't make the decision for you—it gives you the data to make a defensible decision.

Credit recommendations aren't static—companies change, and your limits should too. With Coface Monitoring, you receive instant alerts when a Credit Opinion changes. That means you can:

Tighten terms before a customer deteriorates into bad debt
Expand limits when a customer's creditworthiness improves
Document your credit portfolio management decisions with timestamps

Proactive credit management, not reactive firefighting.

Credit recommendations aren't static—companies change, and your limits should too. With Coface Monitoring, you receive instant alerts when a Credit Opinion changes. That means you can:

Tighten terms before a customer deteriorates into bad debt
Expand limits when a customer's creditworthiness improves
Document your credit portfolio management decisions with timestamps

Proactive credit management, not reactive firefighting.

Creditworthiness evaluation requires multiple data points. Our experts analyze:

Financial ratios: profitability, leverage, liquidity
Payment behavior: how they pay their suppliers (not just what they report)
Sector context: industry trends and risks
Management quality: ownership structure, track record

The result is a Coface Score (0-10 default probability) and Credit Opinion (recommended limit). Together, they give you the solvency assessment foundation for your credit decision.

Creditworthiness evaluation requires multiple data points. Our experts analyze:

Financial ratios: profitability, leverage, liquidity
Payment behavior: how they pay their suppliers (not just what they report)
Sector context: industry trends and risks
Management quality: ownership structure, track record

The result is a Coface Score (0-10 default probability) and Credit Opinion (recommended limit). Together, they give you the solvency assessment foundation for your credit decision.

Credit portfolio management tools to extend credit with confidence.

Understanding Coface Credit Opinion

Advanced Credit Opinion: Solvency Assessment for Large Exposures

Why did they choose Coface Business Information for credit portfolio management?

Unique Business Information quickly available online

Coface API portal

Coface Business Information

URBA360

Mitigate your credit risks

Insights about your business partners

Evaluate any company in 1 click with URBA360

Frequently Asked Questions

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