Commercial ScoringSee your dealer network’s healthon one screen
Commercial Scoring reads how your dealers buy from you and pay you, straight from your payment data in Tahsildar, and gives each dealer a score and grade. Every week, see which dealers are getting stronger, which are struggling, and why.
From Altınmarka to Erkunt, leading brands run their B2B payments on Tahsildar.
Measure dealers by how they buy from you
The credit bureau looks at a dealer’s past loans; banks look at financial statements. Neither sees how the dealer trades with you. Commercial Scoring reads exactly that, and the data is already in Tahsildar.
- Purchase continuityHow often, and how consistently, the dealer buys from you.
- Payment patternHow the dealer pays you, and whether that pattern holds.
- Direction of changeWhether buying and paying are getting stronger or weaker.
- What it looks at
- Past loan repayments
- Freshness
- Backward-looking
- Trade with you
- Not visible
- What it looks at
- Balance sheet and tax returns
- Freshness
- Often a year out of date
- Trade with you
- Not visible
- What it looks at
- Purchases from you, payments to you
- Freshness
- Every week
- Trade with you
- Measures exactly this
No documents from dealersYour whole network, grade by grade
How many of your dealers are A+, how many C? The distribution refreshes regularly, so you can see whether your network is improving or declining, by region, sales rep and dealer group.
- Dealers scored
- 412
- Network average
- 679B+
- 3 months ago 672
- Last 3 months
- ↑58↓37
- grade up · grade down
- A+46+5
- A92+6
- B+118−3
- B84−4
- C44−3
- D28−1
Spot deterioration before payments slip
A dealer running short of cash won’t tell you, but their buying and payment pattern will. Commercial Scoring reads that signal regularly, so deterioration shows up in your dashboard weeks before it reaches credit bureau records.
- Improving and decliningDealers whose grade changed, in one list at every refresh.
- Grade change alertsGet notified when a dealer’s grade goes up or down.
- Network-wide signalsIf deterioration clusters in a region or dealer group, the breakdown shows it.
- Ege HırdavatAegean · Selin K.Longer gaps between purchases, lower volumeAB−120 pts
- Trakya MobilyaMarmara · Murat A.Longer payment terms, smaller ordersAB+−56 pts
- Karadeniz Boya YapıBlack Sea · Kerem T.Infrequent purchases, weakening payment patternBC−48 pts
Every score comes with its reasons
Click a dealer to see 12 months of score history, where they stand against your network average, and, in plain language, what is pushing the score up or down.
PDF- 3-month change
- −120
- A → B
- Network average
- 679
- 38 pts below
What is pushing the score up and down
- ↑Has bought from you without a break for a long time
- ↓Gaps between purchases widened in recent weeks
- ↓Payment pattern shifted to longer terms in recent months
- ↓Purchase volume fell over the last quarter
Base every dealer decision on one measure
Who gets payment terms, who gets open account, which dealer to call first? Your finance team answers these with one measure refreshed regularly, not scattered spreadsheets.
Payment terms and open account
Decide who gets how much time to pay, and who gets open account, based on the score, applied the same way across your whole network.
Collection priorities
Your team calls dealers whose grade is falling first, and deals with problems before they turn into late payments.
Regions and sales reps
See which regions and which reps’ portfolios are getting stronger, and compare them with your network average.
Management reporting
Export network health to Excel or PDF and walk into board meetings prepared.
A dealer’s score can open the door to financing
If you choose, the score can also be used in financing processes with the dealer’s consent; the credit decision and risk policy always belong to the bank. Dealers with access to financing aren’t held back by their card limits, and your receivables rest on firmer ground.
- The bank makes the credit decisionThe score informs the bank’s assessment; the decision and risk policy stay with the bank.
- Only with the dealer’s consentThe score is shared with the bank only with the dealer’s consent.
- You are neither borrower nor guarantorThe credit is opened in the dealer’s name and is the dealer’s responsibility.
Credit decisions and funding belong to the bank; Tahsildar provides the score and its reasons.
Frequently asked questions
Can’t find the answer you need? Talk through your dealer network with our team.
+90 850 532 75 05 All questionsIt reads how your dealers buy from you and pay you, from your payment data in Tahsildar, and gives each dealer a score and grade. In the Dealer Scoring tab of your dashboard you see your network’s grade distribution, improving and declining dealers, and the reason behind every score.
The credit bureau looks at a dealer’s past loan repayments, and bank assessments rely mostly on financial statements; neither sees how the dealer trades with you. Commercial Scoring measures how the dealer buys from and pays you, and updates every week. It doesn’t replace existing scores; it shows what they can’t see.
No. Scores are built from the payments your dealers already make through Tahsildar. Dealers aren’t asked for documents, and no extra integration is needed on your side.
For each dealer you see, in plain language, what is pushing the score up or down, under purchase continuity, payment pattern and direction of change. The details of the scoring model are proprietary to Tahsildar and aren’t shared.
Every week. You get an alert when a dealer’s grade goes up or down.
Yes, if you choose. Each dealer sees only their own score, and what affects it, in their own dashboard.
If you choose, the score can also be used in financing processes with the dealer’s consent; the credit decision and risk policy always belong to the bank. We’ll walk you through the details in your demo.
Commercial Scoring is available to customers whose dealers pay them through Tahsildar. Because scores are built from this transaction history, they become clearer for newer dealers as data builds up.
Commercial Scoring is in development and launching soon. Request a demo and we’ll review your dealer network together, and let you know first when it launches.
Be among the first to use Commercial Scoring
Commercial Scoring is coming soon for customers whose dealers pay them through Tahsildar. Fill in the form and we’ll review your dealer network together in a free demo, and let you know first when it launches.
- 01Fill in the formTell us about your dealer network and how your dealers pay you.
- 02Review your network togetherWe’ll map your regions, sales reps and dealer groups.
- 03Hear firstBe among the first users when Commercial Scoring launches.
- 04See your network’s scoresScores come from your existing payment data, with no extra integration.