There’s a quiet thief lurking in many finance departments and it’s not fraud or rising costs. It’s your in-house credit program.
What once felt like a smart move, controlling credit terms, managing collections, owning the buyer relationship, can quickly turn into a liability. Systems that worked five years ago now buckle under the weight of cross-border complexity, compliance demands and rising buyer expectations. And the worst part? You might not even realize how much it’s slowing you down.
The Hidden Burden of Owning It All
CFOs understand the value of control, but at what cost? In-house credit programs demand time, resources and expertise in areas that fall far outside most companies’ core competencies:
- Compliance complexity across borders: AML, KYC and e-invoicing mandates shift constantly.
- Tech overhead: Every new buyer segment, region or regulation creates patches, customizations and growing technical debt.
- Operational drag: Internal teams juggle onboarding, invoicing, collections and support which pulls focus from strategic initiatives.
Even worse, these efforts often lead to inconsistent buyer experiences, slow time-to-revenue and missed growth opportunities.
When Good Enough No Longer Is
Digital leaders are transforming entire business models, yet many still rely on brittle credit systems patched together by IT. If your trade credit program can’t scale, automate and meet buyers where they are, you’re already behind.
Ask yourself:
- Can we onboard new buyers in days, not weeks?
- Are we guaranteeing payment and eliminating credit risk?
- Can we offer localized net terms across 30+ countries without friction?
If the answer to any of these is “not yet,” then your credit program isn’t enabling growth, it’s inhibiting it.
Run Your Business—Not a Credit Department
This is where modern solutions like TreviPay flip the script. With a fully managed order-to-cash platform, TreviPay handles the resource-heavy parts—underwriting, invoicing, collections, compliance—so you don’t have to. You offload risk and gain guaranteed payments, while your buyers get a seamless, flexible purchasing experience.
For CFOs and digital transformation leaders looking to scale globally, improve working capital and accelerate sales velocity, the question isn’t can we keep running this in-house—it’s should we?
