Solutions

4kst Dynamic Credit Limit

Continuous adjustment of the credit limit based on your customer's behavior
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Bring the intelligence and efficiency of a bank to your credit operations.

You don't need to understand AI or change your processes to start using 4kst Dynamic Credit Limit. This is a tool that has been proven to deliver the best view of risk on your orders, in an accessible way and without relying on information from bureaus.

The 4kst Dynamic Credit Limit is developed based on the customer's behavior with the creditor company itself, allowing risks to be anticipated and the entire credit journey to be improved.

This is because most companies that operate with recurring sales place all their financial exposure under a static credit limit, which is incapable of recognizing low-risk customers or reducing the exposure of those who are heading towards default.

Benefits

The 4kst Dynamic Credit Limit gives you a more assertive risk view of your customer base so that you can make more efficient decisions.

Reducing friction between Sales and Credit

Promote less internal friction with clear risk parameters, directing more focused analysis and enabling better sales actions for idle credit.

Securely released sales

Release orders automatically, reducing risks and friction between the Sales and Finance areas, without increasing your bad debts.

Reduced exposure and default

Reduce the credit limit for those who are heading for default and deny installment sales to high-risk customers.

Authority over financial advances

Choose your receivables with the best view of the risk of your own portfolio.

Optimized journey with 4kst dynamic credit limit

Your journey now has a more assertive view of risk with each new order. The 4kst Dynamic Credit Limit applies intelligence at this point, releasing sales to those with the greatest potential and restricting those most likely to default.

Optimize your journey with efficiency and control over your base

Act proactively with your clients with the best view of your portfolio's risk.

Testimonials from those who have chosen 4kst

What our clients say about their results with 4kst.

The 4kst model brought personalized decision-making

"We used to do the analysis manually. My pain was to have a robust score that took into account all our particularities: my portfolio, the history of clients and their risk ranking, where I am economically inserted, the 9 companies in the group and the various products involved. The 4kst model provided personalized decision-making, which was very important!"

Eliane Vieira

Credit and collection policy manager

Edenred
4kst gives me the exact remedy for my illness

"The score isn't off-the-shelf, it's personalized, thought out and specific. The model is developed using our data and not just market data. It's more niche. 4kst gives me the exact remedy for my illness. It is 4kst that is leading to a reduction in our default rates. We've already achieved a 30% reduction. To improve this figure we need to cut credit, but we can't make the business unviable."

Financial Management

Todescredi
We were extremely surprised by the figures

"The results were so good that I was suspicious, but I checked and they were right: defaults went from 33% to 13% in one market, from 37% to 19% in another. I don't know anyone who does it the way 4kst does, with this degree of personalization and evolution."

Thiago Lucas Queiroz de Sá

Relationship and Customer Experience Manager

VOX

Questions? We'll solve them

Here you'll find quick answers to the most common questions about

No. You don't even need to understand AI to get started. The application is online, easy to understand and usable. It can be integrated with your ERP or used in batches.

With just this data you can already build your predictive model: customer ID (you don't need the CNPJ, just an ID from the system you already use), boleto amount, issue date, expiration date and payment date.

No. 4kst does not store data on your company's customers. During the construction and updating of the model, the data is treated in full compliance with the LGPD - General Data Protection Act.

In fact, your credit department will continue to use market scores for credit origination, as usual. The value proposition of this product is to apply intelligence to recurring operations (and not to origination, where there is no credit validation to define the limit - which is currently static). 4kst's Dynamic Credit Limit operates at the time of purchase, i.e. it analyzes each new order.

Stay ahead of the competition

Optimize your strategic decisions with the market's most assertive forecasts. 

LGPD compliance
BCB Resolution 85/2021
ISO/ISE 27001:2022 certification

4kst Dynamic Credit Limit

Bring the intelligence and efficiency of a bank to your credit operations.

Benefits

Reducing friction between Sales and Credit

Securely released sales

Reduced exposure and default

Authority over financial advances

Optimized journey with 4kst dynamic credit limit

Optimize your journey with efficiency and control over your base

Testimonials from those who have chosen 4kst

The 4kst model brought personalized decision-making

4kst gives me the exact remedy for my illness

We were extremely surprised by the figures

Questions? We'll solve them

Do I need to invest in any specialized software or professionals to use the application?

What data do I need to start using it?

Do I run a risk by sending my data to 4kst?

My credit department already uses bureau scores, why would I use this tool?

Stay ahead of the competition