FMCG
Smart Credit Risk Management for FMCG Growth
Testimonials
What FMCG Credit Leaders Say About Trade Shield
Our portfolios are complex: multiple channels, fast-moving promotions, and tight margins.
“Trade Shield’s advanced analytics, real-time monitoring, and data-driven insights enable us to:
- assess customer creditworthiness
- mitigate credit risks
- streamline processes
- and quickly review credit limits.”
Minka Kitching, Credit Manager,
Diplomat Distributors
One Platform for FMCG Trade Credit
See your FMCG book the way risk actually behaves:
Blend Internal and External Data
Combine your own payment history with credit bureau files and other external signals to build a sharper picture of retailer and wholesaler risk.
Always-On Portfolio Monitoring
Track your entire book daily. Get alerts when behaviour shifts, exposure grows or early stress indicators appear.
Actionable Limit Recommendations
Receive data-driven, credit limit recommendations that explain more than just a score and why a change is recommended.
Turn Credit Onboarding into a Lever for Safe Growth
Digital Onboarding for New Accounts
Guided Credit Applications
Standardised digital applications for retailers, wholesalers and distributors – with the data you need captured up front.
Automated Checks and Documentation
Instant, Risk-Aligned Decisions
Use your credit policy and predictive models to get clearer answers on new accounts and requested limits.
Retailer Failures and Sudden Arrears
Stress indicators often appear in behaviour long before a default. Traditional credit reports don’t always surface them in time.
Manual, Fragmented Decisioning
Branches, regions and business units apply credit policies differently, using their own spreadsheets and reports.
Promotions and Peak Periods
Campaigns drive order spikes, but credit limits are not always adjusted to match demand and risk appetite.
Concentration Risk
A handful of groups or key retail chains hold a large share of volume, but portfolio views don’t fully show the exposure.
DSOs and Cash Flow Pressure
Overly conservative limits stall growth. Overly generous limits drive write-offs. Finding the balance is hard without predictive insight.
Trade Shield is built to help FMCG credit teams find that balance
Most often, it comes from deepening relationships with existing customers who have already bought from you.
Trade Shield Helps You:
Spot where you can grow limits safely
Identify customers whose behaviour supports more volume, without increasing overall credit risk.
Support promotions and campaigns
Align credit limits with agreed campaigns and forecast spikes, while still staying inside your risk appetite.
Protect against silent deterioration
Detect changes in payment behaviour early and intervene before arrears and write-offs escalate.
Trusted by Many Leading Brands
International Food Giant
58%
Average Purchase Volumes
3%
Active Buyers
Business Need
Revenue & Profitability Growth
This leading FMCG business, with a turnover of almost $1 billion, produces and exports a range of love brands. Facing a saturated local market, the company identified the need for growth within its existing customer base to achieve revenue targets.
Solution and Outcome
Trade Shield provided continuous predictive limit reviews on over 4,000 credit customers. This enabled a 58% increase in average purchase volumes per customer, while delinquent debt and DSOs were maintained within acceptable ranges. The result has been a significant boost in business profitability.
FAQs
Any Questions?
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