If you’re managing trade credit internally, your P&L might not tell you the full story.
For years, CFOs have looked at internal credit programs as a cost-saving measure. But the truth is, most in-house systems are riddled with hidden costs—operational, technical, regulatory and strategic—that quietly drain resources and stunt growth.
Let’s pull back the curtain.
1. Operational Drag Silently Adds Up
Manual onboarding. Clunky invoicing. Reconciliation delays. Endless collections cycles. What looks like a “free” program comes at the expense of your team’s time and sanity. Finance, IT and compliance are stretched thin and credit is rarely the top priority.
Yet the consequences of deprioritization are steep: outdated processes, increased errors and slow buyer onboarding all lead to lost revenue.
2. Compliance Risk You Didn’t Budget For
From AML and KYC to global e-invoicing mandates, regulatory complexity is growing fast. Staying current requires specialized expertise most internal teams simply don’t have. The result? Heightened audit risk, delayed global rollouts and potential legal exposure.
Ask yourself: Would your board tolerate this risk in any other part of the business?
3. Technical Debt That Kills Agility
Every new buyer, geography or integration adds complexity. Patchwork fixes pile up, creating fragile systems that are expensive to maintain and impossible to scale.
If your team needs weeks to launch a new region or integrate with a new eCommerce platform, that’s lost time, lost deals and lost growth.
4. The Opportunity Cost of Doing It Yourself
Perhaps the biggest cost is the one most overlooked: what your team isn’t doing because they’re managing trade credit.
- What strategic projects are delayed?
- What markets are you not entering?
- What deals are lost because onboarding or credit approvals are too slow?
Trade Credit Isn’t Just a Finance Problem, It’s a Growth Problem
TreviPay changes the equation. With guaranteed payments, embedded compliance and a seamless buyer experience, their platform lets you trade credit complexity for commercial agility.
You don’t just reduce costs, you unlock growth:
- Launch in 30+ countries with localized compliance and FX
- Offer credit lines up to $20 million per buyer
- Cut onboarding from weeks to minutes
In 2025, finance leaders aren’t just watching the bottom line, enabling topline growth.
If you’re still managing credit in-house, the real question isn’t “what are we saving?”
It’s “what are we missing out on?”
