What does CESCE MASTER ORO insurance offer you?


CESCE MASTER ORO enables you to constantly monitor your complete customer portfolio and insure part or all of it under the Pay Per Cover and Full Cover modalities, with a cover commitment in proportion to the degree of risk attributable to each of your customers and the shortest compensation period on the market.




Pay Per Cover

With CESCE MASTER ORO you will be monitoring your entire customer portfolio and activate Pay Per Cover, if and when you wish, for the risks you consider most critical. You are not obliged to cover your entire portfolio. A credit insurance no other company in the sector is in a position to offer you.

Full Cover

CESCE MASTER ORO, in its Full Cover modality, will let you keep your whole customer portfolio constantly monitored and activate insurance coverage for its entirety.


See video (Spanish version)


 





Risk analysis, management and follow-up


CESCE has developed a system for the analysis, management and follow-up of risks that has effectively demonstrated its predictive capacities and adjustment of decisions, establishing premium in terms of risk attributable to each of your customers. We are the only company on the market offering different prices for different customers.

  • This system of analysis is based not only on the commercial and financial information of the companies, but also on the experience of our clients, data they regularly share with us.
  • Our internal statistics and mathematics teams convert this information into predictive knowledge, enabling us to assume credit risk on an elevated number of companies in real time.




Risk Management

Our automatic risk management system informs you when the credit limit granted is used up or on the point of being used up. Moreover, if you wish, the system will automatically generate an application for an increase of the credit limit which, if possible, will be granted.

You want your credit insurance to proactively increase the credit limit so that all your sales are covered.

If you opt for automatic coverage of uncovered risks plus a certain amount (e.g. 20,000 EUR) and it is not possible to increase the credit limit, but you want to be informed through Cesnet, this kind of alert will be generated:

  • Credit limit: 100,000
  • Total sales: 200,000
  • Total payments: 50,000
  • Sales pending payment:150,000
  • Risks covered: 100,000
  • Risks not covered: 50,000
  • New application to consider: 150,000 + 20,000

Area: Risks

Summary message:

Utilization of the credit limit beyond capacity

Detail message (if the credit limit can be increased):

Utilization of the credit limit of the Debtor Endorsement nº xx of Policy xxxx beyond capacity. Increase granted. New credit limit: 170,000 EUR.

Detail message (partial increase of the credit limit):

Utilization of the credit limit of the Debtor Endorsement nº xx of Policy xxxx beyond capacity. Partial increase granted. New credit limit: 140,000 EUR.

Detail message (credit limit cannot be increased):

The credit limit of Debtor Endorsement nº xx of Policy xxxx has been fully used. An increase of the credit limit is not possible.

You want to be alerted if the limit of your credit insurance is about to be used up.

If you wish to be alerted when 90% of its capacity is reached, this kind of alert is generated:

  • Credit limit: 100,000
  • Total sales: 200,000
  • Total payments: 110,000
  • Sales pending payment: 90,000 (90% of the credit limit)
  • Risks covered: 90,000
  • Risks not covered: 0

Area: Risks

Summary message:

High percentage of utilization of the credit limit.

Detail message:

The Debtor Endorsement nº XX of Policy XXX has been 90% used up.

You want to be informed when exceeding the limit of your credit insurance.

If you opt for being alerted when exceeding the credit limit we will ask you whether you wish the credit limit to be increased to cover the uncovered risk plus a certain amount –in this example 20,000 EUR-, this kind of alert will be generated:

  • Credit limit: 100,000
  • Total sales: 200,000
  • Total payments: 50,000
  • Sales pending payment:150,000
  • Risks covered: 100,000
  • Risks not covered: 50,000
  • New application to consider: 150,000 + 20,000

Area: Risks

Summary message:

Utilization of the credit limit beyond capacity

Detail message:

Endorsement XX of Policy XXX exceeded. Possible increase of the credit limit to 170,000 EUR.



Customizing Alerts

Customize an automatic request for an increase of a credit limit This instrument is quite useful for a better control of this key element of insurance coverage.



Charts

Information in real time on different indicators of your policy. A detailed and quick vision always at hand for its management.

  • 4 interactive charts allow for changes of time periods, groupings or policies.
  • The default values are ungrouped data, of the year underway and per customer.
  • They can be grouped globally, per country or debtor group.

Nonpayments – Charts



Risks - Charts



Sales - Charts