SolutionsCredit Analysis and Decision

Credit Analysis and Decision

Build and customize your scoring models, evaluate your customers’ creditworthiness, and determine credit limits and ratings easily with Bectran’s credit risk analysis platform.
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Simple Job Sheet Forms for Effortless Application
Make the job sheet process simple, fast, and mobile-friendly—so no one walks away at the counter or abandons the form halfway. Bectran is built with your customers in mind. When they can easily submit complete, accurate job sheets the first time—on any device—you accelerate credit approvals and elevate the experience for everyone involved.
The On-The–Go-ers
Customers can start and submit job applications at the counter, on-site, or on their phone—getting approved on the spot or saving progress to finish later and upload any missing documents.
Self-Service Portal
Contractors and teams can track approval status, next steps, respond to document requests, and ask your team questions from a secure portal.
Forms Adjust to the Job
Forms dynamically adjust to the job size, credit requirements, and project type. That means no overwhelming, irrelevant questions – and fewer errors.

Proven Impact Across Credit Operations

30%

Businesses trust Bectran

for credit applications

95%

Of applications approved

within 5 minutes

100%

Automated Bank and

Trade References

Accelerate Cash Flow While Managing Risk

Your clients need materials quickly, but extending credit in this sector requires careful risk assessment. Bectran helps you balance rapid credit decisions with proper risk management, ensuring you can confidently supply materials while protecting your business.

Built-In Credit Intelligence

Bectran’s scoring model delivers a clear view of each customer’s creditworthiness—grounded in your internal policies and powered by real-time data. It analyzes market conditions, financial history, behavioral signals, and third-party intelligence from partners like Experian, Equifax, ACH verifiers, and bank reference providers.
Credit, AR & application events processed
2x
Increase in filed issues
1.6x
Faster issue resolution
With Bectran, we’ve moved from reactive credit decisions to proactive credit strategy. The automation has freed up our team to focus on what matters most—growth and relationships.
Chris Arrington, Chief Credit Officer
Scoring Model Built for Your Business
While Bectran offers pre-built scoring templates for fast adoption, the most accurate risk assessments come from models tailored to your unique customer segments and credit strategy.
Threshold-Based Risk Evaluation
Choose between list and board layout. Apply filters and operators to zero in on what’s most important.
Automatic Credit Bureau Data
New Account Openings and Cash on Delivery agreement forms ensure
Quickly respond to what matters most
While Bectran offers pre-built scoring templates for fast adoption, the most accurate risk assessments come.
Automatic Credit Bureau Data
Choose between list and board layout. Apply filters andoperators to zero in on what’s most important.
Automatic Credit Bureau Data
Merge market data, business health metrics, and predictive indicators
Threaded comments
Review color-coded, intuitive scorecards that explain exactly
Risk Weight Customization
Set proactive alerts and rejection criteria to stop risky accounts
Visual Scorecards
How a customer’s score was calculated, giving credit teams
Built for B2B Complexity

Organize the chaos into one cohesive platform

Customer Credit Portal Enhance customer experience with a self-service portal for document submission, information updates, and application status

Monitor Days Sales

Outstanding trends

Automated Trade

Reference Network

Visualize revenue growth

from credit decisions

The World’s Best Finance Teams Use Bectran
Credit Automation
Credit Automation
Order Automation
Payments

What our Clients say

"We collect money faster. Compared to last year, we're $10 million ahead, which is substantial in our business."

Frank van Straalen

Chief Financial Officer,

Monrovia Nursery Company

"It's been a very positive experience. Not only with implementation, but with custom modifications or changes down the road... we have a very good partner in Bectran that listens to and understands our needs."

Dan Harvick

Vice President of Credit,

Ben E. Keith

"Bectran uses advanced logic to connect with our customers and give them more information...[Bectran] has been quicker and easier for our customers."

Chris Arrington

Chief Credit Officer,

SRS Distribution

"The technical team met with us on multiple occasions. They made time available, even during our working hours, in order to implement the solution."

Tim Murphy

Senior Information Systems Project Manager,

Michelin

"We're not a cookie-cutter credit department... we were very impressed with how Bectran stuck with us, even with the curveballs we threw."

Shane Inglesby

Corporate Credit Manager,

Clyde Companies

Bectran in the News
Explore insightful articles, expert tips, and the latest trends where knowledge meets inspiration
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June 8, 2025   |   6 min
Supporting Credit Managers with Simplicity and Speed - Bectran’s New Credit Application Design
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Bectran Earns Spot on Top Construction Technology List by Construction Executive for Third Year in a Row
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June 8, 2025   |   6 min
Safeguard Against Credit Application Fraud with Bectran and Cobalt Integration
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Scale with Confidence, Not Complexity

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Take Control of Credit Operations—at Scale

Simplify complex credit workflows, reduce delays, and empower your teams with intelligent automation built for enterprise growth.

Align with Your Org Structure

Ensure your credit process mirrors your organizational hierarchy without sacrificing speed or oversight.

Streamline Credit Tasks

Distribute credit work efficiently across departments with intelligent task routing and policy-based automation.

Communicate Without Friction

Automatically route updates, approvals, and alerts to the right people at the right time—internally and externally.

Automate Credit Decisions

Reduce manual reviews by leveraging real-time data sources to evaluate and decision applications instantly.

Digitize Credit Documentation

Centralize, secure, and access all credit-related documents in one searchable platform.

Gain Operational Clarity

Track KPIs, task completion rates, and approval times to identify inefficiencies and optimize team performance.

Customizable Job Sheet Forms

Capture everything you need for bonded or unsecured jobs in one form.Whether its a job, project, contractor, sub-contractor, or non-traditional job data, customize your form to fit the way you do business.

Speed and Accuracy at Scale

With automated workflows and AI intelligent scoring, your team can process, secured and unsecured job requests faster – without sacrificing control or risk visibility.

Integrated Lien Tracking

Protect your lien rights without slowing down credit approvals. Bectran integrates with leading lien and UCC filing providers like NCS, Handle, Levelset to automate notice generation automatically and ensure compliance.

Fraud Prevention at Job Level

Another layer of protection by detecting anomalies in job sheet submission using AI and Machine Learning algorithms paired with data validation. Avoid fraudulent accounts and risky contractors before impact.