Small businesses operate on razor-thin margins where every invoice matters. A single missed payment or unexpected bad debtor can create a cascading financial crisis that threatens your entire operation. Unlike large enterprises with substantial cash reserves, you can’t absorb financial shocks—each credit decision is a make-or-break moment.

With your team likely wearing multiple hats, juggling time-consuming traditional credit management methods is a luxury few can afford. SMBs must constantly navigate complex challenges—determining credit extensions, risk management and bad debt—all while maintaining the agility that allows small businesses to be competitive.