Once SMB owners are on the platform, they can fill out one common application with information on how long the business has been in place, annual revenue, approximate credit score, accounts receivable, among other data points.
Infosys also discloses such sensitive information as the exact compensation packages for more than 450 of its top staff, the aging of receivables and other data that most companies consider proprietary.
One reason for that: For the six months ending Apr. 1, 2006, the latest for which this data is available, unsecured receivables owed to Apple by its manufacturers shot up by $706 million.
The most straightforward way to determine net accounts receivable is to infer it from historical data.
So the credit sales can be calculated as (cash received - initial accounts receivable + ending accounts receivable).
All we collected was data like company revenues and receivables.
Their algorithm collects data on such things as sales, receivables and employee count, and spits out a number that Dechow calls the F-score.
Among the most important data points, she says, are accounts receivables, profitability and understanding a company's different lines of business.
In the event of default, any collateral or receivables factored, receive treatment as salvage values, χ.
They didn't actually have data for the charged-off credit card receivables, so they used data for consumer loans as a proxy.
