RF - Module 2: Credit and Risk Assessment

Module 2: Credit and Risk Assessment

Whether you're a broker looking to expand your expertise or a finance professional aiming to understand this dynamic sector, our detailed course materials break down everything you need to know getting started with receivables finance in Australia.

What you'll learn:

• Understand how lenders assess both the borrower and their debtor ledger to determine creditworthiness.
  
  
• Learn the dual-risk nature of receivables finance, where both client behaviour and debtor performance are critical.
  
  
• Break down the pricing structure of receivables finance, including discount rates, service fees, and ancillary charges.
  
  
• Compare pricing approaches between banks and non-bank lenders, and how facility type affects cost.
  
  
• Identify the key risks in receivables finance including fraud, operational breakdowns, and legal gaps and how they’re mitigated.
  
  
• Recognise which industries are excluded or high-risk, and how to assess if a client’s ledger is fundable.
  
  
• Explore how lenders monitor facilities post-settlement using ledger reviews, reconciliations, and covenant tracking.

This course provides real-world examples, broker tips, and practical strategies that you can immediately apply to your work.

Module 2 is part of our Receivables Finance Course bundle.

You can purchase the full Receivables Finance Course here.