ArgosRisk

The Suggested Credit/Limit Action is the product of Argos Risk using multiple credit information data elements from multiple data sources combined with our years of experience recommending a credit action.

Factors that positively impact the Suggested Credit Limit/Action:

• High VENDOR VIABILITY Scores
• High SHORT-TERM OUTLOOK FOR BUSINESS Scores
• Higher number of trade payment records
• Large High Credit Offered Amount
• Large Average High Credit Offered Amount

Factors that negatively impact the Suggested Credit Limit/Action:

• Low OVERALL VENDOR VIABILITY Scores
• Poor 30-DAY TREND OF KEY METRICS Trends
• Low SHORT-TERM OUTLOOK FOR BUSINESS Scores
• Low LIKELIHOOD OF MEETING FINANCIAL OBLIGATIONS Scores

The Business Health Index (BHI) is a proprietary Argos Risk tool that predicts the Business Health of a company in operation that you have added to your account. The higher the BHI score the more financially stable the business is. If the BHI has a material decline, you will receive an email notification prompting appropriate risk management action. The higher the score, the lower the risk associated with doing business with that company.

WHAT CHANGES THE BUSINESS HEALTH INDEX SCORE?

Factors that positively impact the Business Health Index score:

• Timely vendor payments
• Increased high credit offered by vendors
• Higher number of trade payment records
• Low number of past due trade experiences
• Low number of public record filings

Factors that negatively impact the Business Health Index score:

• Higher number of public record filings
• Poor overall industry trends
• Challenging geographic location
• Declining business scores

CONDITIONS OF POOR BUSINESS HEALTH

• Ceased operations following assignment of bankruptcy
• Ceased operations with loss to creditors
• Voluntarily withdrew from business operation leaving unpaid obligations
• Low proportion of satisfactory payment experiences to total payment experiences.
• UCC filings reported
• High proportion of past due balances to total amount owing
• High number of inquiries to D&B over the last twelve months
• Prior business deterioration

The Likelihood of Consistent Payment (LCP) is a proprietary score that predicts the likelihood of a business to pay its vendors on a timely basis. The higher the LCP percentage the more likely a business's payment history will be indicative of future payment trends. If a company's LCP is low or declining, it is more likely that the timeliness with which a business pays its bills may deteriorate and is proactive signal requiring risk management action. For all material changes, you will receive an email notification prompting appropriate risk management action. The higher the score the lower the risk of doing business with that company.

The LCP score of a business is based on the following factors:

• Payment information indicates negative payment comments
• Payment experiences exist for this company which are great than 60 days past due
• Percentage of trade dollars indicates slow payments are present
• Evidence of open liens

The Likelihood of Consistent Payment Score offers predictive insights, especially on micro and small businesses with less than 15 employees.

Trends are designated by upward facing green arrows, horizontally aligned yellow arrows, and downward facing red arrows.

If you see an upward facing green arrow the company is currently on an upward trend as it relates to OVERALL VENDOR VIABILITY scores and suggested credit limits.

If you see a horizontally aligned yellow arrow the company's trend is moderate and remains constant.

What are recent alerts?

The alerts summary will display a listing of the most recent alerts based on your current filter criteria. Alerts are generated by changes in OVERALL VENDOR VIABILITY scores and/or public change records. You may click on the company name to see more information related to each alert. You can also hover over each company name to display a floating window which includes more alert information.

If you just setup your account to monitor companies you will see "No Alerts Found" in this section of the dashboard. When new alerts have developed they will display here.

Total Alerts Last 6 Months

In red you will see "Total Alerts Last 6 Months" next to an underlined number that links to entire list of recent alerts for the companies in your account.

Assessment Suggested

Under "Total Alerts Last 6 Months" you will see "Assessment Suggested" along with an underlined number. The underlined number is a link that will guide you to a list of the companies that may require a financial assessment.