The credit application platform, in depth
Every feature is designed around the real workflow of a B2B credit team.
Start free trialConfigurable application templates
Start from one of 15 pre-built templates — trade credit, equipment leasing, distributor accounts, and more — then add, remove, or reorder fields without any code. Conditional logic shows or hides sections based on applicant answers.
- 15 out-of-the-box templates
- Drag-and-drop field builder
- Conditional section logic
- Multi-language support (planned)
Automated trade references
When an applicant submits, CreditApp Genie automatically contacts their listed trade references by email. References complete a short, mobile-friendly form — no account needed. Reminders go out automatically after 48 hours.
- Auto-invite on submission
- 48-hour reminder cadence
- Configurable reminder schedule
- Mobile-first reference form
Document collection and scanning
Applicants can attach financial statements, tax returns, or IDs directly in the form. Every uploaded file is virus-scanned before it reaches your reviewers. Files are stored encrypted at rest.
- Inline upload in the application form
- Virus scan on every upload
- Encrypted at rest
- Downloadable as a ZIP for your records
Three-pane review workspace
Your credit team sees the application, trade references, and uploaded documents side by side — no toggling between tabs. Leave internal notes, tag colleagues, and track every action in the built-in activity feed.
- Application, references, docs in one view
- Internal notes and @-mentions
- Activity feed per application
- Keyboard-navigable interface
Structured decisions and conditions
Record every decision with a structured reason code — approved, declined, or approved with conditions. Conditions (credit limit, terms, collateral requirements) are attached to the application record and visible in the audit log.
- Reason code library (customisable)
- Conditions attached to approvals
- Decision letter generation (planned)
- ERP sync via webhook
Immutable audit log
Every view, field change, comment, and decision is recorded with a timestamp and user identity. The audit log cannot be edited or deleted — giving you a reliable record for compliance, disputes, and internal review.
- Tamper-proof event log
- Exportable as CSV or PDF
- Per-application timeline view
- Consent-version capture