Discounting, Factoring and Credit Insurance
You take three products the trade calls by each other's names, and price them on one export programme. You see what a discount really costs once the day count and the fees are in it. You see what recourse and non-recourse are worth in money. And you see what a credit insurer covers, what it excludes, and what it quietly refuses to pay.
Published by Merchandising Academy · First lesson free to read
Course value
What will you be able to do?
Work outcome
You can read a letter of credit for the terms that will refuse your documents, price what a payment term actually costs you in working capital, and choose an instrument that matches the risk you are carrying.
Who it is for
Factory, supplier, brand and buying-office teams.
What you will produce
You build a financing file for one buyer programme. You reduce three quotes to one annual rate you can compare. You set a recourse price and a non-recourse price against an insurance premium. You read a credit limit against the shipping calendar. You work out a concentration cap before it bites. And you price a payment term against the facility it replaces.
Learning format
6 lessons · 0 templates · workplace calculations and decisions.
Lessons
- 01Three products, one word🔒17 min
- 02What the discount actually costs, as a rate🔒17 min
- 03Recourse, non-recourse, and the dispute that cancels both🔒17 min
- 04What the insurer covers, and what quietly voids the claim🔒17 min
- 05When one buyer is most of the book🔒16 min
- 06Sell it once, and the cheapest money of all🔒16 min