Best Enterprise Credit Management Software

AI-driven credit-to-cash solutions powered by Dun & Bradstreet’s industry-leading global data and analytics. D&B Finance Analytics provides AI-driven solutions powered by the Dun & Bradstreet Data Cloud. Intelligent, flexible, and easy to use, D&B Finance Analytics helps finance teams manage risk, increase operational efficiency, reduce cost, and improve the customer experience. Manage credit and receivables risk to help minimize bad debt, reduce DSO, and improve cash flow. Help automate manual decisioning, monitoring, matching, and customer communications. Provide your customers with an online credit application and a payment portal. D&B Finance Analytics comprises two platforms, D&B Credit Intelligence, and D&B® Receivables Intelligence, that together provide powerful insights and technology to help you accelerate success throughout your credit-to-cash processes. You can gain visibility into credit risk quickly onboard customers and set the right terms.

Founded in 2004, Axe Finance is a global market-leading software provider focused on credit risk automation for lenders looking to offer an efficient, competitive, and seamless omnichannel financing journey. Axe Finance developed Axe Credit Portal – ACP – a future-proof, AI-driven solution that automates the loan process from KYC to servicing, including scoring, automatic decisioning, limit management, and collateral management. ACP is a locally hosted or cloud-based solution designed to help lenders deliver an efficient, competitive, and seamless omnichannel financing experience across all client segments (Retail, Commercial, Corporate, Sovereign, FIs, microfinance, embedded financing, Islamic finance, green loans, etc.) Axe Finance is the trusted partner of leading global banking institutions such as Société Générale, OTP Bank, APS Bank, Arab National Bank, Al Rajhi Bank, QNB, ADCB, FAB, BBK, Bangkok Bank, Vietcombank, VIB, Fidelity Bank, Polaris Bank, among many others.

SFP Portfolio Management facilitates dealers' onboarding, client renewals, portfolio management (covering risk management and customer engagement), and account management. Through digitizing processes related to customer acquisition, portfolio expansion, and real-time audit data exposure for enhanced risk management, SFP Portfolio Management ensures tailored account management, delivering a personalized customer experience.

My DSO Manager is an innovative Credit Management and Cash Collection Software affordable for all sizes of businesses. It includes strong features like interactive e-mails, automatic reminders, scoring, reports, etc. Modern and intuitive functionalities allow to improve cash and profitability of your business. Thanks to Smart upload module, it can be implemented very quickly with manual or automatic upload of data. My DSO Manager is used in more than 80 countries by thousands of companies My DSO Manager is dedicated to Businesses who work with Businesses. It is used as well by SMEs and worldwide companies. It manages easily multi-entities, multi-currencies and 9 languages available

TurnKey Lender is a one-stop lending infrastructure used by creditors in 50+ countries to automate all elements of their operations. The platform enables lenders to profitably grow their business while cutting operational costs and risks. It's a powerful AI-driven SaaS that automates over 90% of all lending processes and gives both B2C and B2B lenders a competitive edge. TurnKey Lender Platform has several pre-configured solutions packages including Commercial, Consumer, Pay Later, Auto, Mortgage, Leasing, Factoring. Built in constant collaboration with lenders worldwide, TurnKey Lender is the ultimate solution that answers real-life digital lending challenges in a sophisticated manner.

RiskSeal is an AI-powered SaaS platform that helps online lenders prevent defaults, automate lending decisions, and identify valuable customers. Our Digital Credit Scoring System enables lenders to identify potential defaulters, fight fraud, and find valuable customers using digital footprint analysis. By analyzing user email, phone number, and IP address data, we conduct deep user analysis and create a detailed digital profile with 300+ data points. What online lending organizations get with RiskSeal: - Digital footprints. 140+ social and online platforms - Data enrichment. 400+ tailored data points. - Real-time trust engine. Name verification, face matching. - Risk score. Ready-to-use risk score.

kennek is a loan management platform that supports the full lending lifecycle—from origination to maturity. Built by former lenders, it serves bridging, commercial, development, unregulated, revenue-based, and leasing lenders. kennek addresses common operational challenges with configurable, no-code workflows accessible to users of all technical levels. It automates borrower reminders, covenant calculations, and other administrative tasks to save time and reduce errors. Real-time data monitoring helps lenders manage risk, detect issues early, and prevent defaults. Modules include origination and underwriting, servicing and monitoring, credit portfolio management, and investor reporting. Automated reports and live performance data ensure transparency and consistent stakeholder communication. Overall, kennek streamlines operations, minimizes errors, and enables growth without proportional staff increases.

Provenir’s industry-leading AI-Powered Data and Decisioning Platform uniquely combines real-time, on-demand data access, embedded AI and world-class decisioning technology. This provides a cohesive risk ecosystem to enable smarter decisions across the entire customer lifecycle – with diverse data for deeper insights, auto-optimized decisions, and a continuous feedback loop for constant improvement both at onboarding when assessing risk and monitoring ongoing transactions for fraud.

HighRadius offers cloud-based Autonomous Software for the Office of the CFO. More than 800 of the world’s leading companies have transformed their order to cash, treasury, and record to report processes with HighRadius. Our customers include 3M, Unilever, Anheuser-Busch InBev, Sanofi, Engie GBS Solutions, Kellogg Company, Danone, Hershey’s, and many more. Autonomous Software is data-driven software that continuously morphs its behavior to the ever-changing underlying domain transactional data. It brings modern digital transformation capabilities like Artificial Intelligence, Robotic Process Automation, Natural Language Processing, Connected Workspaces and LiveCube, a No-code Platform, as out-of-the-box capabilities, features for the finance & accounting domain. Our solutions: Autonomous Receivables for Order to Cash 1. Credit Risk Management Software 2. Global E-Invoicing and Payment Software 3, AI based Cash Application Software 4. AI based Deduction Management Software

Manage customer touchpoints effectively, measure feedback in real-time, enhance customer experience and gain valuable insights based on smart data and analytics. Our market-leading Risk- and Credit management solutions are tailored to your needs, regardless of whether you are a large multi-market business or a small single-market startup. Remodel your customer relationships throughout the value chain, reduce waste and enhance performance with our Analytics Services – bespoke solutions satisfying your precise needs. Regardless of whether your business needs data about individual consumers, households, companies or industries, we have it easily accessible via API’s and web services.

Credit Key approves business customers for better monthly terms, in seconds, at e-commerce checkout. Credit Key's payment flexibility results in more orders, larger transactions, and happier customers. Credit Key's proprietary B2B underwriting process allows us to uniquely identify and immediately score businesses, extending deeper credit to your customers at the moment of purchase. Offering and receiving financing has never been easier. Credit Key offers pre-built integrations, lightning fast customer support, and a quick automated application process to simplify and streamline the B2B sales process. A B2B payment platform built around growing your business. From instant credit decisions, customer pre-approvals, to longer and larger credit terms. Credit Key gives merchants and business buyers the ability to accelerate their growth.

Bilendo is the modern credit management platform, helping companies control and automate all credit risk minimization processes centrally. With overall decreasing profit margins, companies experience difficulties in reducing costs with existing legacy systems and outdated processes. Especially credit risks cause unpredictable high costs. Bilendos innovative approach enables you to lower costs, reduce overall credit risks and focus on business growth. Bilendo is the modern credit management platform on which companies can map, control and automate all credit risk minimization processes. Bilendo maps the entire invoice-to-cash process with all relevant credit management tools, which can be combined individually as required. These include receivables management, debtor management, debt collection, dunning, customer portals, service portals, payment transactions, factoring, risk management and bad debt protection.

Kompliant delivers end-to-end lifecycle compliance through a platform developed in partnership with the world’s leading payment processors and banks. Kompliant’s unique platform services make it simpler than ever to configure, deploy, and manage credit risk programs. Underwriting, sales, and finance teams can leverage the spectrum of Kompliant Services to design and implement the data capture, workflows, pricing algorithms, and credit decisioning rules to drive their specific compliance programs. Kompliant, Inc. has built a team known for developing, launching, and operating innovative services for the world’s leading card networks, banks, payment processors, and retailers. Whitelabel services enable businesses to apply for payment processing services via digital interfaces optimized for online, mobile, and other target environments with well-formed APIs and a delightful consumer-grade UX/UI.

A future where errors and inaccuracies are eliminated using cutting-edge AI, go-to-market is faster and simpler, and customer acquisition is accelerated with tailored lending products and elevated experiences; this future is here, and it’s called Lentra. Lentra is a new-age domain-native platform built from the ground up. It is designed and developed to tick all boxes on the wish list of any financial institution. Ready-to-use with rapid deployment and curated journeys. Microservices architecture with customizable customer journeys. No CapEx with pay-per-user/transaction SaaS model. Always-on, with dedicated data centers. In-built industry-grade secure infrastructure. API-driven for quick 3 rd party integrations. Horizontal scaling to keep pace with growth. From personal loans to credit cards, including giving the ability to transform merchants into cross-sell agents, Lentra has a solution that covers the entire spectrum of a financial institution’s lending needs.

Increase transaction volume and order size on your marketplace with an embedded lending layer. Eliminate legacy systems of spreadsheets, calendars, and file storage. Save time researching requirements and submitting filings. Reduce risks of license gaps and missed renewals. Access up-to-date requirements from the reference database. Built-in compliance guard rails to comply with state & federal regulations. Check your loan parameters before making offers to your users. Stay up to date on regulatory changes affecting your planning. Assess your compliance training needs based on state and federal regulations, company goals and third-party partnership requirements. Build and automate your compliance training program, customized to your needs.

Financial institutions, fintechs, and digital brands are tapping into Array’s engagement and revenue-generating products that help fuel financial progress for consumers. Array is a fintech company that provides embeddable financial tools designed to enhance customer engagement, drive revenue, and promote financial progress for its clients. Their platform offers a suite of products that allow users to view and monitor their credit health. Array's solutions are tailored for financial institutions and fintech companies aiming to integrate personalized financial tools into their services to boost user engagement and conversion rates. Array's platform is cloud-based, ensuring accessibility and scalability for its clients. Leverage innovative products that drive meaningful revenue, propel customer engagement, and fuel financial progress. Our private labels and SDKs are completely customizable so your consumers never leave your experience.

Cardless is an embedded credit-card platform enabling brands to build and operate fully integrated credit experiences using modular APIs, prebuilt components, analytics, and full-service infrastructure. It supports every stage of the credit lifecycle, from application processing and identity checks to eligibility decisioning, virtual card issuance, checkout integration, card management, transaction monitoring, disputes, and payments, while being PCI DSS Level 1 certified and including built-in compliance (KYC, AML, fair lending) support. Developers can mix and match APIs and components to suit their technical roadmap or product flow, embedding credit into moments like checkout, bookings, or loyalty milestones so the experience feels native. Cardless also provides analytics and feedback loops that combine customer behavior and credit program data to optimize offers and engagement.

Covalent is a cloud-based loan origination system that includes digital onboarding consumer, mortgage and commercial requests, automated underwriting and credit structure, compliance management, including HMDA data collection, adverse action letter management, fully integrated early disclosure and closing documents, including TRID, core import/export, e-sign and more. Our system is so intuitive that your associates will have near-instant usability. In the time it takes to open the bank in the morning, you can have your users trained on the system. Your analyst, your rules! When your lending policy changes, you’re able to modify the loan origination automation process without getting software developers involved. Lenders love C2 Covalent’s instant usability, predefined product types and modules. Spend less time on training and more time on the customer relationship. Flexible reporting, increased customer share of wallet, and significant time savings for your analysts.

Peach Finance is an API-first lending technology platform that enables fintechs and traditional financial institutions to quickly launch and confidently scale lending programs. Peach is the only lending platform built on an Adaptive Core™, a new paradigm in loan management providing complete configurability, even at scale. Peach provides end-to-end, fully integrated loan servicing capabilities, including payment processing, a white-label borrower portal, a lending-specific CRM, omnichannel communications, data and insights, first-party collections tools, and Compliance Guard™. Peach's fully integrated product suite supports virtually any asset class, including BNPL, credit cards, cash advances, personal loans (installments and lines of credit), retail installment contracts, business loans and novel constructs. Peach was built by leaders from top fintechs like Affirm, Avant and Prosper with the goal of improving lives by giving every lender the power to innovate.