Receivables Podcast | Discussions About Debt Collection
Sep 10, 2026 · 24 min · 8 segments
Thinking about expanding into commercial credit and B2B collections? David Schmidt of Trade Credit & Liquidity Management joins Adam Parks to explain what changes when the customer is a business…
David SchmidtGuest
Adam ParksHost
So I'm really curious from a commercial perspective, right? As you think about the commercial space, and I'm sure you've seen some of the consumer space, what do you see as those core and key differences between those two worlds?
And they were having problem managing the commercial side of it because they were trying to do it like a consumer.
You know, you have higher and lower risk, but otherwise consumers are pretty much the same.
You know, there's like 900 different NAICS codes and, you know, each industry is different and collecting in each industry is different.
Collecting in the construction industry is a lot different than manufacturing, a lot different than consumer product goods companies.
So all of these different companies have different frameworks, you know, that the collector and the credit analyst upfront before that, you know, have to deal with.
And so it's a different, very different situation and companies have different channels and so they can be dealing with multiple industries.
Well, that's interesting because I think about it like a bank, right? Like Chase is lending auto, they're lending credit card, they're lending mortgage, they're lending through a variety of different credit products.
And your average business who has not set out to be a lender kind of inadvertently becomes an extender of credit in the commercial space, especially if you've got net payment terms, whatever that is, 15, 30, 96, whatever.
But then you start to think about the different industries that they're functioning in simultaneously.
And I know from experience that there's a big difference in the way that I would handle a credit card versus an auto account.
And if I'm not a bank who's built to service accounts, that's got to come with a lot of challenges.
What are we looking at in terms of delinquency, deficiency and charge off rates? I
The credit cycle itself, when we think about the commercial space, right? Consumers are 180-day delinquent on credit card before charge-off.
So I'm really curious from a commercial perspective, right? As you think about the commercial space, and I'm sure you've seen some of the consumer space, what do you see as those core and key differences between those two worlds?
And they were having problem managing the commercial side of it because they were trying to do it like a consumer.
You know, you have higher and lower risk, but otherwise consumers are pretty much the same.
You know, there's like 900 different NAICS codes and, you know, each industry is different and collecting in each industry is different.
Collecting in the construction industry is a lot different than manufacturing, a lot different than consumer product goods companies.
So all of these different companies have different frameworks, you know, that the collector and the credit analyst upfront before that, you know, have to deal with.
And so it's a different, very different situation and companies have different channels and so they can be dealing with multiple industries.
Well, that's interesting because I think about it like a bank, right? Like Chase is lending auto, they're lending credit card, they're lending mortgage, they're lending through a variety of different credit products.
And your average business who has not set out to be a lender kind of inadvertently becomes an extender of credit in the commercial space, especially if you've got net payment terms, whatever that is, 15, 30, 96, whatever.
But then you start to think about the different industries that they're functioning in simultaneously.
And I know from experience that there's a big difference in the way that I would handle a credit card versus an auto account.
And if I'm not a bank who's built to service accounts, that's got to come with a lot of challenges.
What are we looking at in terms of delinquency, deficiency and charge off rates? I
The credit cycle itself, when we think about the commercial space, right? Consumers are 180-day delinquent on credit card before charge-off.
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