Handelskreditter

Handelskreditter, commonly referred to as trade credit, are a form of short‑term financing in which a supplier extends credit to a buyer, allowing the buyer to procure goods or services on account and defer payment for a predetermined period. Typically, trade credit terms range from 30 to 90 days, though they can vary widely depending on industry, the relationship between parties, and the buyer’s creditworthiness.

The primary purpose of handelskreditter is to improve the liquidity position of businesses. Instead of paying cash up front, buyers can allocate their working capital to other operational needs while still receiving necessary inventory or services. For suppliers, offering trade credit can strengthen customer loyalty and increase sales volume, as buyers are more inclined to choose partners who provide flexible payment arrangements.

Trade credit comes in several common forms. Net terms (e.g., "Net 30") obligate the buyer to pay in full by the stated day. Discounted terms (e.g., "2/10 Net 30") offer a small reduction in the invoice amount if payment is made early, providing an incentive for prompt settlement. Allowance terms permit the buyer to pay a certain amount on a specific date, with further balance due later. Electronic invoicing and payment platforms have modernised the administration of these credits, enabling real‑time tracking and automated reminders.

While trade credit supports cash flow management, it also poses risks. Uncollected invoices can lead to bad debt, and excessive reliance on credit may expose firms to liquidity strains if customers default or if market conditions tighten. Accordingly, many organisations monitor key indicators such as days sales outstanding (DSO) and the ratio of trade credit receivables to total sales.

In summary, handelskreditter are a ubiquitous and vital element of commercial transactions, balancing buyer convenience and supplier competitiveness while necessitating careful credit risk management.