OUR SYSTEMS / PAYLOCK

PAYLOCK
Credit & Payment Risk Intelligence

A decision-support system for reviewing credit exposure, risky approvals, payment timing and potential losses before making a commercial decision.

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Invoices, credit exposure blocks and payment timing signals in a financial risk view
THE CONTEXT

Make the complex
actionable.

The problem

A credit approval can look acceptable in isolation while existing exposure and payment timing increase the risk. Teams need a clearer view of the possible consequences before acting.

Who it is for

Credit, finance and commercial teams assessing customer terms, approvals and payment exposure.

What it enables

Review exposure and risk signals, examine payment timing and potential losses, and document the basis for an approval or alternative course of action.

CAPABILITIES

Structure the work.
Keep the context.

Exposure view

Bring existing and proposed credit exposure into the review.

Risk assessment

Examine signals that may affect the quality of an approval.

Decision support

Compare the implications of a proposed credit decision.

Payment timing

Consider when invoices may be paid and how that affects cash exposure.

Monitoring view

Keep relevant exposure and payment information visible as it changes.

Decision history

Record the evidence and reasoning considered by the team.

PRODUCT WORKFLOW

From first step
to clear record.

  1. 01 Exposure
  2. 02 Risk Assessment
  3. 03 Decision Support
  4. 04 Payment Timing
  5. 05 Monitoring
  6. 06 Evidence / Decision History
WHAT YOU CAN SEE

A useful view
of the work.

Information and outputs available to support review, follow-up and an informed decision.

REQUEST A DEMO

See PAYLOCK
in context.

Need clearer visibility before approving credit or managing payment exposure? See PAYLOCK in context.

novyqholdings@gmail.com
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