In today’s global business environment it is imperative that companies realize it is in their best interest to run a sensible, structured credit policy. For too long, too many of them have set credit limits in a disorganized, fragmented fashion. They have either used outdated methodologies, such as how the customer pays or personal relationships, or perhaps no method at all.

At ProfitGuard, we believe understanding credit risk and the credit function in your business is key to sustainable growth.  ProfitGuard’s undeniable experience in the metals industry managing metals specific credit risk can provide your business with the assurance and confidence it needs to make prudent business decisions. 

ProfitGuard offers unparalleled credit risk decision support services in the form of two core products: Credit Limit Advisories and a Credit Alert Service.

We have developed a proprietary risk modeling system that delivers expert credit risk support to our ever growing client base. The list of credit metrics below are among some of the inputs to our financial model:

	The PG Credit Risk Score
	The PG Probability of Default Score
	Graphical trend analysis of historical PG Risk Scoring
	Financial Distress Prediction utilizing Multiple Discriminate Analysis and Dr. Edward Altman's Z-Score
	Financial Distress Prediction with use of Emery's Lambda Index Model
	PG analyzes key financial ratios and their relation to liquidity, profitability, and default probability with an emphasis on cash flow analysis
	PG secures private company bank and trade data on a regular basis
	PG maintains a database of confidentially secured private company financial statements
	PG has access to Real Time S.E.C. filings on U.S. public companies
	PG has access to Canadian public financial documents via SEDAR
	Monthly updated trade payment data
	Monthly updated legal data including suits, liens, judgments, U.C.C. filings, bankruptcies, and creditors lists
	Various subscription based business, industry, and trade publications specific to the metals industry
	Real Time news and security trends
	Standard & Poor's Ratings and Industry Research
	Dun & Bradstreet Credit Research
	Experian Business Credit Research

An explanation of our core products:

The Credit Limit Advisory presents a "snapshot" risk picture of the current credit worthiness of the company in question. This product links both quantitative and qualitative data together, providing the client with an easy to comprehend credit summary that allows you to make well informed business credit decisions. The goal of this service is to provide decision support that includes suggested credit terms and a recommended credit limit.  Show me a sample!

The Credit Alert Service is a 12 month continuous account monitoring service for companies considered to be a high credit risk. This service delivers breaking news triggered by significant risk related events that would alter a company's credit risk standing. At which time, you would receive a report detailing the change in risk. On a more frequent basis you will receive news from our general broadcast system, which keeps you abreast of all important news whether it changes the credit risk or not.   Show me a sample!

ProfitGuard provides you with a simple annual subscription based program that gives you the ability to custom tailor our decision support services around your specific needs. For a fraction of the cost of other services or additional in-house staff, you can put the industry's leading credit risk analysts to work for you.

ProfitGuard also offers The Metal's Edge, an eNewsletter. The newsletter includes commentary on high risk companies, bankruptcy news and creditors lists, industry trends and outlooks, and credit risk management tools. The newsletter is available via email and/or the ProfitGuard website