Designed for Your Process. Refined for Their Experience.

<1%

Credit application drop-off rate

Increase in new customer accounts

Make applying for credit simple, intuitive, and transparent, even on the go. From detailed instructions and progress bars that guide customers step-by-step through their application, to a self-service portal where they can upload documents, chat with reps, and track status, every step in the application process is designed to be effortless for your customers.

Credit application form on a device with start button, status bar, new message and upload document icons.

In-app uploading capabilities
for quicker and simpler document collection.

Upload Document interface with 75% progress bar, pie chart at 25%, and application growth chart.

Built-in branch lookup lets applicants direct credit requests to the right location.

Flowchart with two steps: Select Branch, then Request Sent with direction arrow.

Customers pickup where they left off, submit more documents, and stay informed on their credit status.

Screen showing a credit request form with a pop-up saying nudge them with automatic reminders.

Built for B2B Complexity

Fraud Detection

Stop bad actors early. Bectran flags suspicious behavior at the moment of credit app submission and alerts you to changes throughout the entire customer lifecycle.

View Fraud Suite

Security Standards

We hold the highest standards in platform security, from multi-factor identification and document verification using direct data from the IRS and global networks to real-time monitoring of malicious activities.

Safeguard your department

Data Connectivity

View all credit, financial history, fraud alerts, and bureau data in one place. Auto sync in real-time with your ERP and CRM for one source of truth for credit, sales, accounts receivable and collections.

View Intelligence Core

CreditOps Workflow

Configure custom workflows that automatically track and monitor every credit transaction. Generate detailed performance metrics, credit analysis, and reporting across all operating levels, groups, roles, and regions.

Learn more

Upgrade How Credit Gets Done

Leverage AI dashboards based on roles and requirements

Risk Scorecard panel with sliders for Risk Appetite and Score, and an Operational Workflow label.

Automate application communication to all stakeholders

Checkbox list titled Archive Transactions with Certificate #1, #2, and #4 checked, #3 and #5 unchecked.

Ensure authorized parties sign-off on all necessary legal documents

Flowchart showing Tax Exempt Certificate leading to Document Upload, then Power BI and Excel icons.

Auto-segment customers based on risk, size, and scale

Buttons labeled Email Task, Call Task, Notice By Fax, Notice by SMS, and Call Follow Up with related icons.

Central data and document collection
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Four overlapping certificate cards in blue and dark shades with unreadable text under the title Certificate.

Built-In Credit Intelligence

Bectran’s scoring model delivers a clear view of each customer’s creditworthiness at the moment of credit submission — grounded in your internal policies and powered by real-time web scraping data. Our AI model analyzes market conditions, fraud variables, financial history, behavioral signals, and third-party intelligence from partners like Experian, Equifax, D&B, ACH verifiers, and bank reference providers.

Dashboard showing credit scores from Experian, Equifax, D&B, and TransUnion with signal strength and graph.

Elevate Customer Experience

66%

Faster credit decisioning

10x

Increase in credit manager productivity

"The fact that most of our references go out automatically speeds up that process, so sometimes I can have all those references back before I even look at the credit application."

Kelly Nelson, Credit Manager

Make Better
Decisions, Faster

Automate the entire credit application journey — from customer submission to final decision. Use AI models to assess creditworthiness, limit recommendations, and detect fraud using global networks.

Learn more about Decision Management -->

Support for Multiple Form Types

Forms for new accounts, existing customers, COD, job sheets and more are fully customizable and designed to meet the needs of your team and industry.

Chart showing Approval Rating selected over Risk Rating with factors: Region, Customer Size, Credit Amount Requested.

Automatic Credit Bureau Data

Nonstop credit bureau data keeps your credit decisioning and portfolio monitoring aligned with the most current and complete view of customer risk.

Diagram showing credit bureau report influencing approval based on payment, delinquency, and credit history length.

Collect Everything in One Place

Skip lengthy manual verification by automating bureau reports, fraud assessment and bank verification at the moment of credit application submission.

Flowchart showing customers divided into three segments with steps ending in Assign Model buttons.

Tax-Exempt Management

In-app tax and expiration tracker, optimized to manage multiple tax-exempt form types like SSUTA and multi-jurisdiction.

Workflow chart showing Supervisor, Manager, Analyst roles with policy details and portfolio strategy status.

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

Credit Management

Accounts Receivables

Collections Management

Security and Risk Management

AI & Automation

Vendor Management

Plug into your core systems effortlessly

Power decisions with trusted data

Credit Application System

Proven Impact Across Credit Operations

2.7M+

95%

100%

Modern CreditOps:
McNeilus Steel