The workspace
One place where a credit file lives from application to approval.
Intake, verification, reports, approval and the outcome letter, on one record your whole team can see. With a Credlab credit analyst working alongside you on every file.
One file, one source of truth
The application, the signed documents, the references and bank verification, the Credlab Report, the private notes, the decision and the outcome letter all live on one record. Anyone on the team can pick up a file and know exactly where it stands, and a new analyst can be onboarded into a system rather than a spreadsheet.
A queue you can work
- Filters that match the job. By report status, signature, approval or who it's assigned to. Flag what needs action. Export to CSV.
- The director's view. A dashboard of what's waiting on a signature, a report level or a decision, plus everything that happened on the account.
- Routing by role. Assign the credit limit and the account manager; approvals go to the people who are allowed to make them.
- Monitoring after the decision. Scheduled updates keep watch on the accounts you've opened.
Defensible by design
- Every change logged. Who, what, when, why, with IP and device captured, on staff records and credit applications alike.
- Permissions that match how your team works. Ordering reports, viewing reports, private notes and sending the outcome are each a separate role.
- Outcome letters tracked to delivery. Decision emails to the customer with per-recipient delivered or bounced status, selectable attachments and size warnings before you hit send. Your team is looped in on status automatically.
- Per-location configuration. Each branch gets its own forms, terms and routing under one account.
Ready for your IT review
Hosted in Canada, encrypted in transit and at rest, backed up daily, with role-based access and an audit log of every change. Bank verification runs through Plaid on read-only, consent-based connections; the applicant's credentials never touch Credlab. Request the security white paper for the details.
Your first analyst-reviewed credit report, back in about 48 hours. Start a 30-day free trial, or book a demo and bring real applications.
Questions we get asked
How many people can use it?
Your whole credit team, across every location, each person with their own role and permissions. Book a demo and we'll set it up around the size of your team.
How long does it take to get set up?
Every new account gets a free onboarding session. We tailor your forms, templates and roles to how your team works, and most teams send their first application the same week.
Can it connect to our ERP?
Yes, through our API or a flat-file export. Tell us what you run and we'll walk through what the integration would look like.
Where is our data hosted?
In Canada, in a Toronto datacenter, encrypted in transit and at rest, with daily backups.
Who at Credlab can see our files?
Credlab's own analysts and support staff can open files to do their work, under the same audit log as your own team. Every change to a record is logged with who, what, when and why.
Your first analyst-reviewed credit report, back in about 48 hours.
Start a 30-day free trial, or bring two or three real applications to a demo and we'll walk them through Credlab end to end.