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.
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.
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.
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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Heavy Equipment Company Standardizes AR, Optimizing Payments to Save $2M
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Accelerate approvals and scale with growth
CPG healthy eating manufacturer succeeds with end-to-end credit application support
completed apps
online platform
CUSTOMER STORY
Streamline operations and accelerate payments
Security solutions provider drives current receivables with an automated collections
solution while revenue doubles
current receivables
customer payments
Accelerate cash flow with AI-powered solutions.
Payments
Flexible payment solutions.
Offer your customers flexibility with diverse payment methods to speed up collections.
Invoicing
Invoicing made simple.
Automate invoicing to eliminate errors and ensure timely, accurate billing.
eCommerce
Effortless online sales.
Integrate your eCommerce and ERP for smoother order and transaction management.
Credit
Smarter credit decisions.
Simplify credit approvals and assessments for lower risk and greater accuracy.
Collections
Intelligent collections.
Automated collections processes reduce delinquency and improve cash recovery.
More time for your team
AI-powered decision-making increases accuracy while freeing your team to focus on more strategic work so your business can grow.
Dig deeper into credit management software
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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.
Is Billtrust's credit software scalable for growing businesses?
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.
How does credit software contribute to better financial decision-making?
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.
What is the objective of credit management?
The objective is to optimize the balance between sales growth and bad debt losses by establishing a credit policy that minimizes default risk.
What does a credit manager do?
A credit manager assesses the creditworthiness of customers, sets credit limits and terms, and oversees the collection process to minimize financial risk.
What is the best credit management app?
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.
What is credit management software?
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.
What are the 5 C's of credit management?
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.
What software do credit managers use?
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.