B2B credit management software

Where B2B credit teams decide.

One workspace for intake, verification, underwriting, approval and sign-off on commercial credit, with a Credlab credit analyst working alongside your team on every file.

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Serving credit teams across the U.S. and beyond since 2001.

A credit application file in Credlab: applicant summary, status and orders, signatures and bank verification on one screen

Credit teams that run on Credlab

Samsung

How it works

From application to decision, in eight steps.

Our analyst leads. AI assists. Your credit manager decides. Watch a file move through Credlab, or click any step.

Credit ApplicationPlease fill out the following form to apply for credit.EN | FR

Credit managers got handed the hardest job in finance and the oldest toolkit in the building.

A shared spreadsheet, a bureau login, an e-signature account and a lot of email. Credlab is the workspace this job has needed for a decade.

The spreadsheet

Brittle, untraceable, and impossible to onboard a new analyst into. Nobody knows which version is the real one.

The database report

A number pulled from a database with no one behind it. You're the one liable for the decision. You need a person who has looked.

The enterprise juggernaut

A year-long rollout and an enterprise price tag for a credit team of five. Built for someone else.

The product

One place where a credit file lives from application to approval.

One file, one source of truth

Intake, reports, references, signatures, notes and the outcome live on one record your whole team can see. Business credit reports pulled straight in, legal items and collections flagged, signed documents in the file.

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Faster decisions without the cut corners

Trade references get a self-service link, and a Credlab analyst calls the ones who don't answer. The applicant's bank is verified through Plaid (balance, deposits, NSFs) as a step in the file. E-signature runs its own reminders. Outcome letters are tracked to delivery.

How verification works →

Defensible by design

Every change logged: who, what, when, why, with IP and device captured. Permissions that match how your team works: who can order reports, see private notes, send the outcome. Per-location configuration across every branch.

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Fraud screening on every application

Every application is screened with AI for signs of fraud, and our analysts review anything it flags before it reaches your desk.

See the online application →

The Credlab Report

Written in plain English. Read in two minutes.

No scores to decode and no jargon to look up. Every Credlab Report opens with the three things you need to make the decision, and then shows you exactly what they're based on.

More about the Credlab Report →

A suggested credit limit

A figure to work from, with the reasoning behind it.

When to expect payment

The range of days this company actually pays in, from the references and reported trades.

A risk level

Low, average or high, in the same three colours you see on every file, with the analyst's reasons.

What backs it up

A full legal-name search: We confirm the business is registered, check its status on the registry, and give you the correct legal name to put on every invoice and credit agreement.
The legal record on file: Suits, judgments, tax liens, UCC filings, collections, returned checks and bankruptcies: how many, how much, how recent, and the details of each one, so you can see what the risk level is based on.
Trade data on file, and references chased: References we already hold on the company go in first, before anyone has to ask. Then the ones listed on the credit application, which our analysts call and chase; any that can't be reached are noted in the report.
Turnaround that averages 48 hours: Order it, and an analyst-reviewed report is usually back in your file within two business days.

The legal section

Bankruptcies, judgments, liens. Listed, not summarized.

Every Credlab Report lists the public record on file: for each category, how many items are on file, the total amount and the date of the most recent one, and then the items themselves. A company with one old small-claims judgment doesn't read like one with six liens filed last quarter.

And the trade data we already hold.

References on file for the company go into the report before anyone has to ask, alongside the ones on the application that our analysts call and chase, and the bank verification through Plaid where the applicant consents.

Legal suits: Who is suing the company and for how much: filed and reported dates, plaintiff and defendant, the court and where it sits, the claim number, the reason, the case details and the current status.
Judgments: Civil, small claims and default judgments, plus releases and dismissals: the amount and currency, who obtained it against whom, the court and its contact details, the filing number, the reason and the status.
Tax liens and UCC filings: Federal, state, county and municipal tax liens and tax warrants, including releases, plus every UCC filing as it is filed, continued, amended, assigned or terminated: filing number, jurisdiction, debtor, secured party and collateral. Higher-risk filings, such as a blanket lien on all assets or a cluster of filings in a short period, are called out as cautionary.
Bankruptcies: Chapter 7, Chapter 11 and other filings, petitions and discharges. Filed and discharge dates, the court and case numbers, the trustee or receiver and their contact details, the law firm, hearing and creditor-meeting dates, and the asset value, liability value and dividends.
Collections: Every account placed for collection: debtor, creditor and the agency, claim date and amount, balance and amount paid, and the status, from placed for collection through partial payment, settlement, paid in full or closed uncollected.
Returned checks (NSF): How many, for how much and how recently. NSF activity appears in the overview lines of every report, alongside suits, judgments, collections and security filings.
Sanctions screening: Whether the business or its principals appear on US sanctions or watch lists, with the record name, alternate names, address and the sanctions program.

A Credlab Report includes the records available to us from public registries and our data sources when the report is prepared. Coverage varies by jurisdiction and record type, and filings can be late, incomplete or not reported at all, so a category with nothing on file does not mean no such record exists.

Verification, done by people

We chase the references. Plaid verifies the bank.

The two things that make a credit file trustworthy are the two things nobody on your team has time for: getting suppliers to answer, and getting a straight look at the bank account. Credlab does both.

How verification works →

Trade references

Your references, chased by our analysts. Not by you.

Most reference requests die in a supplier's inbox. Ours don't, because a Credlab analyst is on the phone following up, and it isn't someone from your credit department.

References we already hold on the company go in first. The ones listed on the application get a self-service link and can reply in a minute. No account, no PDF.
The ones who don't reply get a call from a Credlab analyst, and another. If a reference still can't be reached, the report says so.
Every reply and every call note lands in the file, next to the application.
Payment behaviour is pulled out of the references and into the report's recommendation.

The reference gets chased. Your team doesn't do the chasing.

Bank verification through Plaid

The bank account, verified. Not a statement someone emailed you.

The applicant connects their business account through Plaid as a step in the application. It's read-only and their credentials never touch Credlab. What comes back is a verified picture of the account, not a PDF that could say anything.

Account holder: Name on the account, matched to the applicant
Institution and balance: Bank, account type and current balance
Up to 24 months of transactions: Read-only, with the applicant's consent
Deposits and withdrawals: Average monthly, month by month
NSF and overdrafts: Counted, dated, in the file
Bank analysis: Generated with AI from the bank data, and labelled as such

Nothing to chase, nothing to doctor.

Analysts + AI

A credit expert leads every file. AI is one of their tools.

A Credlab credit analyst, a professional who has spent their career in commercial credit, runs every file: pulling the records, calling and chasing the references, reading the public record and the bank verification, and writing the report. Along the way they use a set of tools, AI among them, to assemble the file, draft the write-up and score the risk. What they sign is their own work.

Think of them as the credit expert on your team, without adding headcount.

Our analyst leads. AI assists. Your credit manager decides.

Analyst leads
AI assists
You decide

Everything the tools produce goes through the analyst first, except the bank analysis, which is generated with AI from the Plaid data and labelled as such. The software never presses "approve."

See it on your own files →How Analysts + AI works →

A Credlab Report: recommended credit limit, how the company pays, and an analyst's risk assessment — The Credlab Report: a suggested limit, when to expect payment and a risk level, in plain English, signed off by a Credlab analyst.

Ready for your IT review.

Security details →

Encrypted and backed up

Encrypted in transit and at rest, with daily backups in a North American datacenter.

Audit logging built in

Who changed what, when and why, on staff records and credit applications.

Role-based permissions

Order reports, view reports, private notes and outcome sending, each a separate role.

Bank verification via Plaid

Read-only, consent-based connections. The applicant's bank credentials never touch Credlab.

Credit people since 2001

We didn't come from software. We came from credit.

B2B Credit Chex started out training credit managers, then built its own investigated business credit reports as an alternative to database lookups, then the online application and portal that thousands of decisions have run through since. Credlab is that twenty-plus years of practice, rebuilt from the ground up.

We don't just provide software. We partner with your team.

2001: Credit-management training for credit managers, owners and executives across North America.
2004: B2B Credit Chex Inc. and the freshly investigated business credit report.
2005: The online credit application tool and 24/7 credit management portal.
2024: Credlab launches: the portal rebuilt for how credit teams work now, with new features every month.
Today: Electrical supply, HVAC supply, Packaging manufacturers, Industrial powder coating, Medical supply, Waste management, Heavy trucking, Property management and more.

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.

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