Trade Shield calculates a recommended limit based on your applicant's estimated turnover and a turnover multiplier. That figure is then adjusted up or down depending on two risk scores — Payment Risk and Default Risk.

When those risk scores are unfavourable, the adjusted amount can fall below your account's configured Minimum Limit. In that case, the platform does not recommend a negative or zero limit on its own — instead, it applies your minimum as a floor and flags the result as R0.

ⓘ Good to know: The R0 result is based on the data available at the time of the recommendation. Providing additional information can change the outcome — see Section 3 below.

Both scores directly influence whether the system can recommend a usable credit limit. Here is what each one means in this context:

⚠ Note: When Default Risk is Very High and Payment Risk is Unknown, there is no data available to offset the risk — making an R0 result very likely unless additional financial information is provided.

The Trade Shield recommendation engine can recalculate a limit once it has more financial context for the applicant. The documents below give our analysts the information needed to produce a revised recommendation:

ⓘ Tip: Financial Statements have the greatest single impact on a revised limit recommendation. If you can obtain these from the applicant, this is always the most effective first step.

Follow these steps to request a revised limit recommendation once you have gathered the applicant's financial information:

ⓘ Tip: If financial documents are not available, you may still choose to extend credit based on your own commercial judgement — but the Trade Shield platform will continue to reflect R0 as the system recommendation until supporting data is provided.