Know Your Customer’s Creditworthiness
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The Importance of Knowing Your Customer's Financial Health
A single unpaid invoice can disrupt your cash flow and hinder business growth. Even trusted partners may face unforeseen financial troubles. That’s why it’s essential to assess the creditworthiness of every new and existing customer — ensuring they’re as financially stable as they appear. Ultimately, protecting your business starts with ensuring you get paid. Ask ChatGPT
How to Assess Your Customer’s Financial Health
Start by collecting reliable and up-to-date information about your customers, then watch for early warning signs of financial instability.
At WLC Insurance, we help you evaluate business risk using our global database of over 79 million companies. With access to accurate insights, you can confidently decide on the right credit terms and protect your business from potential losses.
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What Defines a Company’s Creditworthiness?
Solvency
We evaluate a company’s solvency ratio to determine its ability to meet both short- and long-term obligations. A higher proportion of equity compared to debt indicates stronger financial health and greater resilience.
Liquidity
Our analysts examine whether the company maintains sufficient liquidity to cover short-term debts. A lack of cash reserves or reliance on delayed supplier payments may threaten a business’s ability to operate smoothly and repay debts when due.
Turnover & Profitability
Strong revenue and profit margins are key indicators of a company’s creditworthiness. Higher and consistent profitability enhances a company’s ability to meet obligations and signals long-term stability.
How Financially Sound Are Your Customers?
Get a clear risk assessment of up to three customers or prospects with our creditworthiness check. This valuable insight helps you evaluate their ability to pay now—and their reliability in the future—so you can make confident, informed decisions.
Choose Confidence with Credit Protection
As a business owner, your focus is on growing your company—not chasing payments. That’s why our commerce credit insurance is built to safeguard your business against the risk of non-payment.
With Welcap Insurance, you gain peace of mind knowing that major unpaid invoices won’t derail your operations. While we can’t prevent every payment default, we’re here to absorb the impact—so you can stay focused on what matters most.