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AI and Automation
Credit Decisioning
Credit Decisioning
Gain the flexibility and structure needed to manage everything from simple approvals to complex, multi-tiered evaluations — delivering speed and compliance without compromising accuracy.
Streamlined Credit Evaluation
Configurable Approvals
Applications can be routed automatically based on their risk-rating, industry, geography, and more, ensuring every decision is left to the right stakeholder.
Built-In Communication Tools
Applicants are notified in real-time when actions are taken or documentation is needed, reducing back-and-forth and improving transparency.
Custom Scoring Models
Design risk scoring frameworks based on your unique internal criteria, weighing factors like AR exposure, industry risk, and credit history. Feed any additional data to our AI models for advanced evaluation.
Manual reviews, and disconnected systems add drag to every credit decision. When teams are buried under a growing volume of applications, relying on spreadsheets or manual processes slows everything down, increasing the chance of missteps. With automatic credit decisioning, applications that exceed risk tolerance are automatically escalated to senior approvers, while lower-risk requests flow through automated paths.
Waiting on updated financials, trade references, or bank verifications slows down decisions and brings revenue to a halt. With real-time financial and behavioral data from trusted sources like D&B, Experian, Cobalt, EKATA, and Plaid flowing directly into your credit workflows, you can eliminate delays, speed up risk evaluations, and give your team the confidence to act fast.
Create and customize scoring models using weighted inputs such as credit history, accounts receivable exposure, financial ratios, and trusted third-party data. These tailored scores power automated approvals via Bectran’s Instant Decision Manager while highlighting exceptions for manual review. This ensures every decision consistently reflects your company’s credit standards and policy.
55% Increase in credit pipeline visibility in just two months.
By connecting Bectran with Sage, finance teams cut manual entry tasks by over 60%.
Infor customers using Bectran see 25% faster cash conversion cycles on average.
Pairing Bectran with PayTrace enables 50% faster payment processing and reconciliation.
Operational Excellence at Scale
Support fast, accurate, and transparent credit decisions — no matter the volume or complexity.
Simplify High-Volume Intake
Handle growing application volumes with automated approval paths and document tracking.
Improve Audit Readiness
Every decision, escalation, and document request are logged and time-stamped for full traceability.
Keep Stakeholders Informed
Give credit, sales, and finance teams real-time visibility into application status, approvals, and pending tasks.
Support Global Operations
Configure workflows across countries, currencies, and compliance environments while maintaining a single, unified process.
Reduce Customer Onboarding Friction
Accelerate approval timelines to keep orders moving and improve the customer experience.
Explore the AI tools behind faster processes, sharper insights, and better outcomes across credit, collections, and accounts receivables.
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