Billtrust Announces Groundbreaking AI Advancements

Automate approvals with credit management software

Streamline your credit application processes with automated workflows that increase cash flow by up to 25%. Pinpoint new revenue opportunities using AI-powered insights.

Intelligently allocate credit

Automate credit decisions for faster approvals. Billtrust uniquely combines AI-driven insights with auto-decisioning features to ensure precise credit recommendations based on customer behavior, credit scores, and unique customer segments.

Unlock powerful credit solutions

AI-driven insights

Analyze real-time customer behavior patterns and predict payment trends to guide smarter credit decisions.

Improve efficiency

Automate your credit decision-making process, increasing efficiency and freeing up your team for more strategic work.

Enhance relationships

Approve credit applications faster using data-backed auto-decisioning capabilities that improve your customer experience.

Customizable credit rules

Set unique credit rules tailored to your financial risk tolerance, ensuring credit-line decisions are made on your terms.

Seamless integration

Integrate Billtrust with your ERP and third-party credit data providers for smoother, more accurate AR management across the board.

Greater data security

Safeguard sensitive customer data and documents with robust security and compliance features.  

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The power of virtual assistants

What if you had dynamic credit lines that monitored credit scores and payment behaviors to automatically extend credit to your high-value, creditworthy, and most reputable buyers? Talk to Billtrust about the power of AI and its ability to uncover growth opportunities.

Monitor credit risk in real time

Easily evaluate credit risk with real-time holistic views of accounts and buyers. Credit agency integrations assess risk with greater precision for upfront and ongoing monitoring.

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Gain visibility into customer behaviors

With Billtrust’s credit management software, you’ll gain instant access to payment behavior insights helping you gauge the financial stability of your buyers, stay ahead of potential issues, and make data-driven decisions.

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Automate without losing control

Reduce application approval times from days to minutes. Automated credit review processes and line-of-credit assignments are based on your financial rules, flagging high-risk buyers and exceptions needing special approvals.

Trusted by global brands

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Under Armour
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Navigating Economic Headwinds: How Finance is Reshaping Strategy in 2025

More time for your team

Cash Application uses machine learning and advanced algorithms to automate payment processing and AR management. It can handle even your most complex payment needs, giving your finance teams more time to focus on high-value work.

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Case Study

84 Lumber

84 Lumber Transforms Collections and Credit Operations, Cutting Costs +50%
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Blog

10X Faster: Billtrust Releases New Collections Automation Capabilities

Many finance organizations face a persistent challenge: A bottleneck sits in front of collections operations. Accounts receivable teams are so overwhelmed by the upfront work of invoice delivery and payments processing, that little time and resources remain for downstream activities. As a result, credit and collections often become one of the most neglected financial functions. […]

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Blog

Optimize your collections process with these essential collection letter templates

For finance leaders, optimizing accounts receivable is non-negotiable. Late payments strain cash flow, create unpredictability and consume valuable team resources. Collection letters, also known as dunning letters in accounts receivable terminology, remain one of the most effective tools for recovering past-due payments while maintaining professional relationships with your customers. Far from being mere reminders, these […]

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Ready to see Billtrust in action?

Use Billtrust to streamline AR and get paid faster while reducing manual work. Discover how our AI-powered solutions can meet your unique needs and enhance your AR operations.

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Frequently asked questions

How does credit software enhance credit risk management?

Our software uses advanced algorithms to analyze multiple data points, providing comprehensive risk profiles. This approach embodies our value of fiscal responsibility, helping you make informed credit decisions and mitigate potential losses.

Absolutely. Our solution is built to scale, accommodating businesses of all sizes. Whether you’re expanding into new markets or diversifying your product line, our software adapts to your evolving needs, supporting your unique growth journey.

By providing real-time, data-driven insights, our software enables you to make more informed credit decisions. It helps identify trends, uncover optimization opportunities, and guide strategy adjustments, embodying our value of open-mindedness in adapting to market changes.

The objective is to optimize the balance between sales growth and bad debt losses by establishing a credit policy that minimizes default risk.

A credit manager assesses the creditworthiness of customers, sets credit limits and terms, and oversees the collection process to minimize financial risk.

The best credit management app is one that eliminates manual work, provides intelligent insights, and accelerates your decision-making. Billtrust’s AI-powered Credit solution is designed to do just that by automating the entire credit lifecycle. With customizable online applications, automated trade reference checks, and configurable auto-decisioning, we help you accelerate approvals from days to minutes. Furthermore, our AI-powered capabilities, like Dynamic AI Credit Lines, provide proactive risk management and help you turn your credit operations into a driver for strategic growth.

Credit management software helps organizations assess customer creditworthiness, manage customer credit lines and credit limits, and monitor ongoing risk. It replaces slow, manual processes like exchanging PDFs and spreadsheets with a centralized, digital workflow. Billtrust’s Credit solution enhances this by integrating with your ERP and third-party credit data providers, enabling auto-decisioning based on your unique criteria, and leveraging AI to provide deeper insights for more strategic and proactive credit management. It’s designed to integrate credit functions with Collections, Invoicing, and Cash Application for a complete accounts receivable approach.

The 5 C’s of credit management are Character, Capacity, Capital, Collateral, and Conditions. Billtrust’s Credit solution addresses these fundamentals through modern digital processes:

  • Character via trade reference and behavioral credit analysis.
  • Capacity with dynamic limit-setting and continuous monitoring.
  • Capital through integration with third-party financial data sources.
  • Collateral assessment via financial strength analysis.
  • Conditions through approvals aligned with business-specific credit policies.

The platform embeds these credit fundamentals in an AI-driven credit decisioning engine that preserves working capital and improves cash flow.

Credit managers typically use digital credit management tools to onboard customers, automate credit application workflows, provide self-service portals for document submission, and monitor credit risk throughout the customer lifecycle. Billtrust’s Credit solution is purpose-built for these needs. Our platform centralizes all credit-related activities into a single, automated workflow. By replacing manual data entry and follow-ups with customizable online applications, auto-decisioning, and AI-powered risk monitoring, we empower credit managers to make faster, more consistent, and data-driven decisions.