Credit review is more than a score
Every credit decision is a bet on future cash flow. Billtrust analyzes 80+ behavioral and financial signals, so you can extend credit where it’s due and catch risk before it costs you.
Take a closer look at Billtrust’s Credit Application solution
What your AR team will see
Replace scattered emails and PDFs with a single, structured credit application workflow.
What your customers will see
Speed up the credit application process and maintain strong customer relations with a secure, branded application portal.
Credit solutions: Faster decisions. Cleaner records. Earlier warnings.
Data-backed risk reduction
Minutes not days
Automated credit decision-making reduces response time from days to minutes, providing audit-ready records for finance.
Ongoing risk monitoring
Silent credit deterioration is the enemy of cash flow. Monitor all your customer accounts for credit risk without lifting a finger.
Customizable credit rules
Set unique credit rules tailored to your financial risk tolerance, ensuring credit-line decisions are made on your terms.
Credit risk informs collections
Rising risk triggers alerts that reach credit and collections all at once, so AR teams can tighten credit limits and prioritize exposed accounts.
Greater data security
Safeguard sensitive customer data and documents with robust security and compliance features.
Credit management in your Collections workflow
Credit management you can trust
More credit for timely payers
Human intelligence, amplified
Gain visibility into customer behaviors
Automate credit applications
Discover Billtrust's Agentic Credit Lines
Trusted by global brands
The science behind credit success
Turn credit management into a measurable science with the right AR performance metrics, targets, and formulas. From KPIs like Credit Sales to Approval Times, this interactive periodic table includes every scientific element you need to elevate success.
Credit Management Best Practices
- 6 Data-Driven Strategies to Reduce Risk and Grow Revenue
CUSTOMER STORY
Invoice delivery at digital speeds
One platform was all they needed to incrementally expand automation across the order-to-cash cycle. Today, the collections team doesn’t have to work overtime.
surcharging savings
reduction in DSO
collections efficiency
CUSTOMER STORY
Webstore delivers $2M in revenue
When a high-growth supplier needed a webstore to drive sales, eCommerce solutions offered simple online search and check-out capabilities, delivering $2M in revenue.
online revenue sales
hours saved
weekly
locations with
real-time inventory
CUSTOMER STORY
Cutting AR costs by +50%
Collections and credit transformation speeds operations
in surcharging savings
electronic credit
applications
reduction in
postage costs
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.
Collections
Intelligent collections.
Automated collections processes reduce delinquency and improve cash recovery.
Cash Application
Precise cash matching with AI.
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.