Credit Analysis and Decision

Approach risk management with confidence. Build and deploy custom credit risk scoring models, evaluate creditworthiness in real-time, and instantly make credit limit decisions backed by live data.
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Proven Impact Across Credit Operations

66%

Reduction in credit

decision time

90%

Reduced approval

cycle time

71%

Less time spent

searching for data

Modern CreditOps:
Lansing Building Products

Discover how Lansing Building Products transformed their credit operations with an end-to-end credit application system. Leveraging real-time insights and automated workflows, Lansing's credit department cut application decision time by 66%, aligning their focus on higher-value strategic initiatives while improving cash flow visibility across their entire portfolio.

Confidence Stems From Intelligence

Smart decisions start with the right data — but identifying insights in a sea of information can be challenging. Your custom Bectran scoring models collate a view of customer credit risk from the most relevant data points available.

These include credit bureau reports, reference reports, fraud indicators, AR insights, or any other data source you choose to assess. All inputs are continuously cross-checked against real-time fraud networks, ensuring full data connectivity and no blind spots, so every risk factor is accounted for.
Assess creditworthiness with greater speed and accuracy
95%
Of credit references
sent automatically
<1min
To auto-pull credit bureau data
“Anybody can call me at any time and ask me to take a look at one of the applications. I'm able to instantly pull up the information that we had to make a decision.”
Tricia Pruitt, Vice President of Credit
Pierce the Veil of Uncertainty
Lurking behind every account you onboard is the possibility of a bad actor ready to defraud your business. Eliminate the uncertainty with an advanced fraud prevention suite that delivers real-time checks on corporate status, IP location, bank account verification, identity verification, IRS TIN matching, funding verification and more — all built into your credit workflow.
Trusted Sources, Pulled Instantly
Built-in data collection from partners like Experian, Equifax, D&B, CreditSafe, and more provides reliable, up-to-date information crucial for accurate credit evaluations and recommendations.
Filter For Risk, Scale Without Concern
In high-volume environments, credit evaluation can stall progress. Streamline the process by automatically approving low-risk applications and flagging higher-risk ones for further review.
Deploy Multiple Risk Models
Not all customers carry the same risk. Segment by industry, credit limit, relationship history and more, applying tailored scoring models for accurate risk assessment for each instance.

Recommended Credit Limits
Automatically calculate recommended limits based on risk criteria, historical behavior, payment trends, and external credit data. This ensures your team can confidently embed credit decisions into workflows, aligned to your growth and risk objectives.
Upgrade How Credit Gets Done
Deep Scoring
Utilize pre-built or custom-made models for fast and accurate credit risk scoring. Selected scoring model criteria are rated independently, then aggregated for a comprehensive final score.
Intelligent Surfacing
Access the right information at the right time. The platform guides your team through each step of the credit assessment process with timely alerts, reminders, next actions, and context-specific data. As a result, nothing gets missed and decisions stay on track.
Centralized, Connected Data
Eliminate information silos and enable a seamless, synced data flow across all teams, CRM, and ERP systems. With all data resources unified under one platform, you benefit from greater risk awareness and trend analysis capabilities.
Secure Platform
Bectran is committed to protecting customer data through rigorous security and reliability measures embedded across its platform. From infrastructure to development practices, every aspect is designed to safeguard sensitive information and ensure an unimpeded service.
Built for B2B Complexity

Customize scoring models across customer segments

Analyze publicly available financial and credit data

Monitor creditworthiness

and risk in real-time

Instantly calculate financial ratios

Receive reports of suspicious activity

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

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Assess Risk with Clarity and Confidence.

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