Frequently Asked Questions - Credit Limit Service

What information is required to calculate a credit limit?

The Credit Limit Service will not calculate a credit limit unless adequate financial information is available.  It always requires:
  • Financial statements from within the last 18-months, including key balance sheet values
Plus, it requires at least one of the following:
  • A Moody's or Standard & Poors issuer rating
  • A stock price history, with adequate trading volume over the past 6 months
  • A Z"-score

If you cannot determine why a limit is unavailable for a particular company, please contact your Account Manager or our Customer Service department.

Why can't I input U.S. Dollars?

The Credit Limit Service uses a company's actual financial values to calculate a credit limit.  The values used come from Income Statements, Balance Sheets and Statements of Cash Flows, each of which can cover different periods of time.  It would not be accurate to convert all these financials using the latest exchange rate, since the rate when the financials were published may be very different.  Best practice is use the native currency and convert it to US Dollars on the day you are examining the limit.

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Fundamental financial data concerning public companies may be provided by Refinitiv (click for restrictions)
Friday, February 23, 2024