Credit Risk and Confident Decisioning

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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Confident Decision-Making

Bectran’s scoring model provides you with the insight you need to understand a customer’s credit risk profile and how much credit you should assign to minimize potential risk. Through Bectran, a customer’s credit risk profile is determined by a comprehensive analysis, factoring in your company’s credit policy, market conditions, customer business and financial data, and credit intelligence data. This data comes built-in from partners and integrations such as Experian, Equifax, ACH verification, Instant Bank reference providers, and more. Accurate insights, provided quickly, enable better credit decision-making, significantly minimizing incidences of credit losses resulting from credit defaults.

Improved Decision-Making Capabilities
Custom Scoring Solution

Custom Scoring Solution

Although Bectran offers pre-built scoring solutions for quick adaptation, a tailored credit risk evaluation model provides a more substantial measure of your company’s risk than out-of-the-box models can. Define your custom risk-scoring solution to address individual segments of your customer base, taking into account both underlying business characteristics and the credit risk profile of each segment. Typical data inputs into the scoring solution include credit bureau data, financial statements, internal customer credit information, country and state risk factors, credit references, personal guarantees, credit application information, and more.

Threshold-Based Credit Risk Evaluation

Adjust your scoring models by setting thresholds according to specific customer attributes. With threshold-based credit risk attributes, you can automatically disqualify high-risk customers below set thresholds, allowing your team to focus on customers with the right risk-return ratio. This model becomes very handy in a high-volume and low-value transaction environment where accurate and rapid credit decisions are vital.

Threshold-Based Credit Risk Evaluation

Discover how SRS Distribution streamlined its credit approvals, job sheets, and collections with a digitized workflow.

Case Study

Improving efficiency for McNeilus Steel with Bectran’s automated electronic credit reference check.

Case Study

Transforming Floor & Decor’s manual credit process into a standardized digital work process.

Case Study

How Ben E. Keith implemented Bectran with ERP Integrations.

Case Study
Credit Application System

Credit Application System

Multi-purpose and customizable credit application system with sales, customer and credit facing online portals.

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Credit Management Workflow

Credit Management Workflow

Universal and configurable credit management workflow that organizes, tracks, monitors, measures and reports all credit review activities, from credit request Initiation to approval.

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Accounts Receivable Review

Accounts Receivable Review

Monitor the quality of your accounts receivable portfolio and perform quality-enhancing credit reviews.

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