Universal Credit Management

Unify credit decisioning, risk assessment, and portfolio management into one streamlined system that adapts to your policies, industry, and needs.
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Proven Impact Across Credit Operations

100%

End-to-end customization

and AI-embedded workflows

80%

Faster credit decision time

with AI-risk analysis

60%

Lower drop-off rate than

alternative credit app systems

One Unified Credit Ecosystem

Universal Data Core

No more logging into multiple tools or piecing together information. Access credit bureau data, internal documentation, financials, trade references, risk scores, fraud alerts, and more. Seal the data gaps and lessen risk exposure with a single interface.
A single, central location for your information sources
90%
Improved decision quality
<10min
Application processing time
“Anybody can call me at any time and ask me to take a look at one of the applications. I'm able to instantly pull up the information that we had to make a decision.”
Tricia Pruitt, Vice President of Credit
A Platform That Grows With You
Whether you’re a regional distributor or a global enterprise, Bectran grows with you. Manage high volumes of applications, complex approval workflows, and global policy requirements with ease. Segment portfolios by business unit, geography, or customer risk profile while maintaining consistent control.
Apply Credit Policies with Precision
Standardize your credit decisioning across every region, channel, and team with customizable rule-based policy enforcement. From enterprise–wide credit limits to territory–specific criteria, Bectran ensures every decision aligns with your risk strategy and compliance requirements.
Built-In Collaboration Across Teams
Credit doesn’t operate in a vacuum. Bectran keeps credit, sales, operations, and leadership aligned with shared dashboards, notifications, and real-time task visibility. This ensures no opportunity, dispute, or application ever slips through the cracks.
Focus on Growth
Automate the credit process from end-to-end — from applications and approvals to tax compliance and job sheet tracking — so your team can focus on evaluating risk, improving portfolio performance, and driving revenue growth.
Integrate Once, Scale Exponentially
Bectran connects seamlessly with your existing systems — ERPs, CRMs, EDIs, and more. Eliminate duplicate data entries and delays with two-way data syncing, ensuring every decision is based on the latest financial, operational, and risk data without ever leaving the platform.
Built for Credit Teams.
Powered by Experience.
Criteria Enforcement
Define rules once and enforce them everywhere — no manual follow-up or second guessing.
Learn more about IDM
Operational Insights
Dashboards track workload, bottlenecks, and KPIs across your entire credit department in real time.
View Operations Management
Fraud Detection
Evaluate every applicant and customer interaction. Analyze third-party data to detect inconsistencies, assess risk, and track unusual behavior.
View Fraud Suite
Data Connectivity
Unify your order-to-cash workflows by connecting all your tools and data in one place. Real-time ERP sync ensures a single source of truth across credit, sales, receivables, and collections.
View Connectivity

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

Unify Your Teams in One Platform

Arm your business with the tools necessary to align departments, manage risk, and grow cash flow.
Explore All Integrations
Explore All Integrations
CreditOps Core
Explore the most loved credit management workflow tools
Job Sheets System
Learn More
Document Vault
Learn More
Credit Management Workflow
Learn More

Assess Risk with Clarity and Confidence.

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