Accounts Receivable Policy and Delinquency Reduction
Creates a comprehensive credit, collection, and recovery policy to reduce delinquency and improve cash flow.
Establish clear credit granting rules, automate multi-stage collections, and implement recovery strategies that reduce delinquency without losing customers.
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Prompt objective
Establish clear credit granting rules, automate multi-stage collections, and implement recovery strategies that reduce delinquency without losing customers.
Real use case
VoltMax Electrical Materials Distributor, with 380 active customers and 8.5% delinquency (sector average is 4%), is losing R$95,000/month in overdue receivables and wants a structured collection process.
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Prompt
Create a comprehensive accounts receivable and delinquency management policy for [COMPANY NAME], in the [INDUSTRY] sector, with [NUMBER] active customers and current delinquency rate of [PERCENTAGE}%.\\\\\\\\n\\\\\\\\n**Current situation:**\\\\\\\\n- Monthly revenue: R$ [AMOUNT]\\\\\\\\n- Total accounts receivable: R$ [AMOUNT]\\\\\\\\n- 1-30 days overdue: R$ [AMOUNT]\\\\\\\\n- 31-60 days overdue: R$ [AMOUNT]\\\\\\\\n- 61-90 days overdue: R$ [AMOUNT]\\\\\\\\n- 90+ days overdue: R$ [AMOUNT]\\\\\\\\n- Average terms granted: [DAYS] days\\\\\\\\n- Payment methods: [BANK_SLIP/PIX/CARD/CHECK]\\\\\\\\n\\\\\\\\n**1) Credit policy (new customers):**\\\\\\\\n- Registration analysis: required documents (business registration, articles of incorporation, references)\\\\\\\\n- Credit bureau check: minimum acceptable score\\\\\\\\n- Initial credit limit: calculation criteria\\\\\\\\n- Progressive limit increase: how to expand based on payment history\\\\\\\\n- Exceptions: who can approve credit above the limit\\\\\\\\n\\\\\\\\n**2) Automated collection workflow:**\\\\\\\\n| Stage | Timing | Action | Channel | Template |\\\\\\\\n|-------|--------|--------|---------|----------|\\\\\\\\n| Reminder | D-3 | Payment due notice | WhatsApp/Email | [suggested text] |\\\\\\\\n| 1st notice | D+1 | Friendly reminder | WhatsApp | [text] |\\\\\\\\n| 2nd notice | D+7 | Formal demand | Email + Phone | [text] |\\\\\\\\n| 3rd notice | D+15 | Credit suspension | Formal email | [text] |\\\\\\\\n| Negative reporting | D+30 | Credit bureau filing | Letter + Email | [text] |\\\\\\\\n| Legal action | D+60 | Protest or litigation | Registered mail | [text] |\\\\\\\\n| Settlement | D+90 | Payment arrangement offer | Phone | [script] |\\\\\\\\n\\\\\\\\n**3) Incentives for timely payment:**\\\\\\\\n- Early payment discount\\\\\\\\n- Loyalty program/rebate\\\\\\\\n- Special terms for same-day PIX payments\\\\\\\\n\\\\\\\\n**4) Monitoring metrics:**\\\\\\\\n- Weekly aging report\\\\\\\\n- Delinquency rate by bucket\\\\\\\\n- DSO (Days Sales Outstanding)\\\\\\\\n- Allowance for doubtful accounts\\\\\\\\n- Target: delinquency < [PERCENTAGE]% within [MONTHS] months\\\\\\\\n\\\\\\\\n**5) Recommended tools:**\\\\\\\\n- Collection software (e.g., Assertiva, Neofin, Cobrato)\\\\\\\\n- Integration with [ERP: ContaAzul/Omie/Nibo]\\\\\\\\n\\\\\\\\nInclude message templates for each stage of the workflow.
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