Parent and subsidiary credit limitsJudge the credit of the company that owns the account.
A debtor’s three divisions can each look comfortable on their own while the parent that owns them is the largest concentration in your book. A client and its sister company can each sit inside their line while the owner behind both is drawing far more than you would lend him.
FactorFox has always grouped related accounts, and FactorFox AI carries it forward. Clients and debtors roll up under the company that owns them, so you see the whole relationship. Each member keeps its own limit, terms and file.
How it works
Group the accounts, set the family limit, fund with both lines in view.
- Group
Build the family
Pick the members and mark the parent, the company the others roll up under. Or let Fox suggest the group from what the accounts share.
- Limit
Set a family limit
The family limit binds every member together at funding. Each member's own limit still binds that member.
- Fund
Fund with the whole picture
Every draw reads against the member's line and the family's line, within, near or over, with every member shown.
Client groups
Exposure at every level, not just the account.
Put clients under a parent or in a related group, and FactorFox reads the exposure of the whole group the same way it reads one client. The book also groups itself by industry, region and account manager, read from the records every time and never typed, so a manager’s portfolio or a region’s aging is one click away.
Intercompany paper shows up on its own. When one member sells you an invoice that another member of the same group owes, FactorFox flags it. A group invoicing itself is a classic related party risk, and no single client view can show it.
Read at every level
- Funds employed and facilities used
- Aging from current to over 90 days
- Members on no buy
- The group limit and its headroom
- The largest debtor across the group
- Debtors two or more members share
Why it matters
Concentration lives at the parent. So does the decision.
Debtor families
Roll a debtor's divisions and subsidiaries up under the company that owns them, with a family limit that binds them all at funding.
Members keep their autonomy
Each client and debtor keeps its own limit, terms, history and file. The group adds a view and a limit on top. Nothing is merged.
Fox finds the relationships
Shared tax numbers, bank accounts, owners, addresses, email domains and names become suggestions, with the evidence for each pair.
Shared debtors in plain sight
See which debtors two or more members of a group both sell to, and what the group holds against each one.
Industry, region and manager
The same exposure figures by line of business, by state or province, and by account manager, straight from the book.
Built into funding
Family limits are checked when money moves, not in a report someone reads next week.
Straight answers
What credit teams ask about groups and families
What is a debtor family?
A parent company and its divisions and subsidiaries, grouped so you see what they owe you together. The family can carry its own limit, and that limit binds every member at funding. Each member keeps its own credit limit as well, so a subsidiary never borrows headroom it was not given.
Do the members lose their own limits and terms?
No. Each client and each debtor keeps its own limit, terms, history and file. The group adds a view and a limit on top. It does not merge the accounts.
Can a debtor belong to more than one parent family?
No. A debtor rolls up under one parent, the way ownership works, and FactorFox tells you if you try to add it to a second one.
What happens at funding when a family is near its limit?
The draw is read against both lines, the member's own and the family's. You see whether it is within, near or over each one, with every member of the family listed, before you fund.
How do we find clients that belong together if nobody told us?
Fox reads what clients share, such as a tax number, a bank account, an owner, a street address, an email domain or a distinctive name, and suggests which belong in a group. It shows the evidence for every pair. A person decides.
Can we see exposure by industry, region or account manager?
Yes. Those groups come from the book itself and are never typed. Industry, region and account manager each show the same exposure figures as a parent family.
See your largest relationship the way it really is.
Bring your book. We will group it with you and show where your concentration sits once parents and subsidiaries are read together.