Help
1. How to set formula based credit limit or expression as credit limit?
You can set a formula based credit limit (expression) for a rule in two ways.
- Choose ‘Create an expression’ option in ‘Define Credit Limit & Terms page’ and click on ‘build expression’ button to define formula based limit in Credit Limit & Terms.
- You can define expression in Credit Limit Methodology (CLM) table as well. Create a CLM table by defining X and Y coordinates. You can enter numeric value in the table cell or define an expression in place of one. Select a cell and click ‘build expression’ button to open expression builder window.
2. How to create an expression?
You can assign the outcome of an expression as the credit limit. Click on ‘build expression’ button to open expression builder.
The expression builder screen has two category listings:
Variables list – List of variables that can be used in expression
- First drop down lists category variables
- Second drop down lists all variables in the selected category
Operators list – to be used along with variables in building an expression
- First drop down lists all the category of operators
- Second drop down lists all operators in the selected category
You can choose a variable category, select the variable and click ‘Add variable’ icon. The selected variable will be added to the expression view text area.
Similarly choose the operator category, select the operator and click ‘Add operator’ icon. The selected operator will be added to the expression view text area.
After you finish creating the expression, click on ‘Evaluate’ button below the text area to validate the expression for any syntax or logical errors. This would also run this expression on all companies in your workspace to return minimum, maximum and average value in your workspace. This is to help you fine tune your expression parameters.
If there are any errors in the expression, you will be alerted to check for errors.
There are some fields (listed below) in expression builder which cannot be used in to evaluate expression. However these fields can be used to create expression.
Variable |
Category |
Total Outstanding |
Account |
Accounts Payable to Sales |
Act/App |
Current Liabilities to NetWorth Ratio |
FINANCIALS |
Worst Delinquent Past 3 Months (SBRI) |
D&B |
SBRI Origination Loan Score |
D&B |
SBRI Score Flag |
D&B |
Total Balance on all Open SBRI Accounts (SBRI) |
D&B |
Total Open SBRI Accounts |
D&B |
Years in File All SBRI Accounts |
D&B |
Worst Delinquent Past 12 Months (SBRI) |
D&B |
D&B Business Data Available |
D&B |
Composite Credit Appraisal |
D&B |
Total Exposure (SBRI) |
D&B |
Most Recent Account Opening (SBRI) |
D&B |
SBRI Origination Loan Score |
D&B |
Equifax Business Bureau Available |
Equifax |
SBRI Origination Card Score |
D&B |
3. What are the operators & functions supported in expression builder?
Following operators are supported in expression builder
- Arithmetic Operators: + * / = %
- Grouping operators: ( )
- Logical operators: And, Or, Not
- Conditional Operators: Is less than (<) , Is greater than (>) , Case Statement
CASE statement
- Syntax: CASE WHEN <CONDITION1> THEN <EXPRESSION1> ELSE <EXPRESSION2> END
- For multiple cases, you can use WHEN <CONDITION1> THEN <EXPR3> ELSE <EXPR4> END in the place of <EXPRESSION1>
The following operators and functions are supported within the CASE block.
Operators / Functions supported in Case block |
Examples |
IS NULL |
CASE WHEN (Employees) IS NULL THEN 1000 ELSE 1500 END |
Is not NULL |
CASE WHEN (Employees) IS not NULL THEN 1000 ELSE 1500 END |
Like – supports usage of SQL wildcards (%, _) |
CASE WHEN (D&B Rating) Like '%A' THEN 1000 ELSE 1500 END |
Is not equal to (<>) |
CASE WHEN (Employees)<>15 THEN 1000 ELSE 1500 END |
Is less than or equal to (<=) |
CASE WHEN (Assets - Total) <= 1500 THEN 10000 ELSE 20000 END |
Is greater than or equal to (>=) |
CASE WHEN (Sales) >= 15000 THEN 10000 ELSE 20000 END |
Min (set of variables, expressions) |
CASE WHEN (Sales) >= 15000 THEN MIN (10000, (Assets - Total), (Assets - Current) + (Current Dollars) ) ELSE 20000 END |
Max (set of variables, expressions) |
CASE WHEN (Sales) >= 15000 THEN MAX (10000, ((Assets - Total) / 3), (Assets - Current) + (Current Dollars) ) ELSE 20000 END |
Avg (set of variables, expressions) |
CASE WHEN (Sales) >= 15000 THEN 10000 ELSE AVG (20000, (Assets - Total), (Assets - Current)) END |
Round (expression, length) |
CASE WHEN (Assets - Total) <= 15 THEN 10 ELSE Round ((Requested Amount), 2) END |