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Are our credit limits in the right places?

Credit limits set at onboarding rarely match today's risk or today's opportunity. Credit Limit Optimization rebalances limits so growth accounts get room and deteriorated accounts get pulled back.

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The Challenge

Limits set at onboarding drift out of step

  • Limits are static

    A limit set when the customer was onboarded sits unchanged while their risk and their potential both move.

  • Headroom is stranded

    Low-risk, growing accounts hit a limit that throttles revenue, while risk sits unused elsewhere.

  • Risk and growth are weighed separately

    Credit looks at risk, sales looks at opportunity, and nobody balances the two account by account.

How eyko Solves It

Balance risk and growth, account by account

Credit Limit Optimization reads each account's current risk and growth potential together and recommends a limit that balances the two, freeing headroom on low-risk growth accounts and pulling exposure back on accounts that have deteriorated.

Credit Limit Optimization | What
Executive Summary

Across the book, limits are out of step with risk. 0.8M of headroom sits unused on low-risk, growing accounts that could take more, while 1.1M of limit sits on accounts whose risk has deteriorated since the limit was set.

Limit reallocation ($M)
Increase (low-risk growth)
+0.8
Reduce (deteriorated)
-1.1
MetricCurrentBenchmarkStatus
Primary indicatorFlaggedTargetAction needed
Secondary indicatorMonitoringWithin rangeOn track
Trend directionDecliningStableReview required
Recommendations
1Across the book, limits are out of step with risk.
2Full analysis available across all connected data sources.

Credit limit optimization reads each account's current risk and growth potential together and finds where the limit no longer matches either. The Playbook quantifies the headroom stranded on healthy accounts and the exposure left on weakened ones, so finance sees how far the book has drifted from where the limits should sit.

This is decision intelligence in practice: the what, the why, and the what next from your live data.

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FAQ

Frequently asked questions

Everything you need to know about Credit Limit Optimization.

Credit limit optimization reads each account's current risk and growth potential together and recommends a limit that balances the two. eyko frees headroom on low-risk growth accounts and pulls exposure back on accounts that have deteriorated, so the same book carries more revenue room and less risk.

It reads your AR and payment history, credit scores, and order and growth trends per account from your ERP and CRM, alongside any data platform you already run. It works with systems such as SAP, Oracle, NetSuite, and Salesforce, and there is no separate data project to start.

It reads each account's re-scored risk and its growth trajectory together rather than in separate silos, then recommends a limit that reflects both. Low risk plus growth argues for more room; deteriorating risk argues for less, so the recommendation reflects the whole account, not just one side.

Yes. The Playbook produces an account-by-account recommendation, the direction and size of the change, with the risk and growth read behind it, so credit can review and apply concrete limits rather than a blanket policy.

Resources

AI-Driven Cash Management for Finance Teams

AI-Driven Cash Management for Finance Teams

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What is Decision Intelligence?

What is Decision Intelligence?

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Why Dashboards Are No Longer Enough

Why Dashboards Are No Longer Enough

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