Credit & policies

Rely on a firm that has successfully provided financial solutions worldwide since 2003.

The Bao Lyon Group, LLCCredit policy analysis

Is a heavy workload—with constant responsibilities and too little time—keeping you from your core duties? Let The Bao Lyon Group, LLC help you reclaim your day. We assist with credit, accounts receivable management, and Import/Export tasks, so you can focus on what matters most.
We craft our credit processes and services to align perfectly with your business needs. Our credit services equip you with the essential tools and expertise to assess customer creditworthiness through detailed investigation, streamlined processing, and ongoing monitoring.
We offer flexible credit management services, capable of handling your entire credit granting process or specific stages as needed. Our process begins with a comprehensive pre-credit analysis, including verification of financial information and credit history. We also provide expert recommendations for navigating potential credit issues.
Our services are designed to be cost-effective, and depending on your specific needs, the resulting savings in time, money, and operational efficiencies can be substantial.
To support your accounting department's functions, we provide access to these resources:
With our Business Activity Snapshots, your team gains the critical "inside" financial view needed to accurately assess risk. This allows for smarter, data-driven decisions on credit terms and extensions, reducing potential receivable problems before they happen and protecting your bottom line.
Credit Policy and Applications Analysis
Leveraging our tools, experience, and expertise, we provide critical recommendations for your credit policies, procedures, and applications. Our guidance ensures your documents, including Credit Applications and Personal Guarantee Agreements, are in the correct format and include best-practice wording covering interest, collection fees, and litigation expenses.
Contact us to align your company with the best international practices.
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"As the world get smaller, international trade can be a complicated and tricky business".

"Selling internationally is a great way to expand into new markets, boost your customer base and grow your business, but there are challenges you may face. How well do you know the customer? Will you be paid for your goods or services?"

"To remove these and other obstacles rely on experts with international business experience. Export services are designed to support you at every stage of the process. They can address your cash flow needs by helping to fund transactions, make trade safer by reducing payment and currency risks, and improve your business efficiency by ensuring that payments are managed securely and costs efficiently"

- Commerce Bank

Tired of chasing outstanding receivables?

We understand the frustration of having corporate clients with unpaid invoices. Our expert commercial debt collection team works to uncover the root cause of late payments. We then apply proven domestic and international recovery strategies to get your money back, so you can focus on running your business.
Managing outstanding receivables, particularly those involving international clients, can drain resources and disrupt cash flow. What may seem like small, individual cases can quickly accumulate, and cultural misunderstandings can further complicate matters. As experts in commercial debt recovery, we go beyond simple collections. We help you understand why payments are stalled and leverage persuasive communication to resolve even the most challenging situations.
We employ strategic methods to recover your outstanding balances efficiently:
Relationship-Focused Resolution: We act as a neutral mediator to resolve misunderstandings and handle communications with defaulting clients, even those internationally, with the sensitivity required to find mutually agreeable solutions.
Internal Process Enhancement: We improve your internal procedures through statistical analysis and by updating your contracts to align with best practices.
Optimized Default Management: We refine your commercial default actions to protect your public image while achieving your recovery objectives through empathetic and sound international commercial practices.
Accelerated Cash Flow: Our services aim to reduce the number of days your balances are outstanding, gradually improving your clients' payment behavior and boosting your cash flow.

"Soft Audit Approach"

For many of our clients, we employ a proactive approach to managing past-due accounts. When a client's export product has arrived at its destination and the account is 45-60 days overdue, our company will contact the debtor as a third-party auditor. We will verify the reason for the outstanding invoice, ensuring accurate and timely payment for your exported materials. This method emphasizes to the debtor that an independent entity is monitoring the payment process. By taking this preemptive step, we help prevent potential issues before they escalate. Contact us for a free assessment of your case.

Corrective Methods

To effectively resolve complex issues, a thorough investigation is essential. Our organization specializes in an accurate discovery process to uncover all transactional details, ensuring we apply the right solution at the right time. This investigative approach includes, but is not limited to, the following resources:

(*) Contractual services
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Services we can provide

Utilizing our network of international contractual services, The Bao Lyon Group, LLC can provide
Expertise / Compliance / Support
Project Handling
Providing effective management for domestic or international projects. Assistance is offered through every phase, from planning to execution, with the use of monitoring tools to aid in achieving project goals. The Bao Lyon Group, LLC also offers support for market expansion, with knowledge of relevant rules, standards, and regulations.
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International Receivables Support
Growing your company internationally is a complex endeavor. We act as your expert partner, providing the deep market analysis necessary to understand risks and inform your investment in new markets. Our international experience becomes your competitive advantage. Schedule a free accounts assessment to see how we can help.
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Import / Export Management
Your international growth partner for end-to-end commercialization. For manufacturers seeking to commercialize their products internationally, we offer expert brokerage to secure new markets, clients, and supply chain partners. We facilitate the export/import process and provide ongoing transaction monitoring to ensure timely payment, protecting your investment and optimizing cash flow. We are here to support your expansion.
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Mergers & Acquisitions / Mining & Exploration
Tailored Solutions: The Bao Lyon Group, LLC can assist your team through the merger process, whether it's a small, medium, or large scale transaction. We develop options specifically suited to your needs.
Specialized Expertise: For companies in the Mining and Exploration sector, we offer a specialized Research & Development team.
Call for Details:
Contact us to discuss your plans and learn how we can help achieve your M&A goals.
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Responsiveness & Professionalism
Letters Rogatory
Letters rogatory, also known as letters of request, are formal requests from a court in one country to a court in another country seeking judicial assistance. The most common forms of assistance sought through letters rogatory are:
  • Service of process: This involves the official notification of legal documents to individuals or entities in the foreign country.
  • Taking of evidence: This refers to gathering testimony or documents from witnesses located in the foreign country for use in legal proceedings in the requesting country.
In cases where direct transmission between courts is not possible, letters rogatory may require the involvement of diplomatic or consular channels for transmittal.
This method is generally used when there are no treaties or agreements between the two countries to facilitate the requested judicial assistance. It is important to note that executing these requests can be a lengthy process due to the involvement of diplomatic channels and the need to follow the judicial procedures of the requested country.
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Service by Agent
A process server is a neutral, third-party professional tasked with delivering legal documents to defendants, witnesses, or other parties named in a legal action. This delivery, or "service of process," is a crucial component of due process, as it formally notifies individuals of legal proceedings and their obligation to respond.

Role and function

  • Deliver legal documents: Process servers deliver a range of documents, including summonses, complaints, subpoenas, writs, and eviction notices.
  • Verify proper service: They must ensure that documents are served in accordance with the laws of the relevant jurisdiction. Different states and countries have distinct rules governing who can be served, and when and where delivery can occur.
  • Provide proof of service: After successful delivery, the process server completes an affidavit of service, which is filed with the court as evidence that the documents were served correctly.
Domestic and international service
Process-serving can be complex, especially when legal matters cross borders.
  • Domestic service: The server must comply with the specific rules and regulations of the local jurisdiction.
  • International service: This requires navigating treaties like the Hague Service Convention or using Letters Rogatory, depending on the country. It often involves different government channels and translation requirements.
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Translation & Authentication Services
Leveraging our global network of service providers, we offer high-quality document translation services in over 75 languages. For documents requiring legal recognition, our partners are qualified to handle all authentication requirements, ensuring your translated documents are accurate and legally compliant.
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