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Putting AI to work across credit and receivables

The next evolution of CreditorWatch helps your team shorten the credit-to-cash cycle and reduce your exposure to bad debt.

CreditorWatch AI turns complex data signals into practical credit tools that adapt to your business

Building the future of credit risk management isn't about bolting on chatbots. You don't need more data and widgets; you need clarity on risk, a confident next step and reliable outcomes.

For 15 years we've built one of Australia’s most comprehensive trade credit databases. That data is what powers our AI models and agents — showing your team where to focus, suggesting next best actions, and handing back the hours they should be spending on the judgement calls only they can make.

We believe:

  • AI should sharpen your expertise, not replace it.
  • The best credit AI needs data no one else has: proprietary trade credit risk and payment behaviour signals, industry benchmarks, and predictive models purpose-built for small and medium business data.
  • Assistive tools should cut noise, not add to it. They take the repetitive work so you can focus on the outcomes that matter: lower DSO, fewer losses, new growth opportunities, and standardised credit and AR processes.

Across our credit management platform, CreditorWatch AI helps you make the most informed credit decisions possible to drive consistent payment and revenue solutions, for every trading partner, on every transaction.

Smart prioritisation

Payment behaviour, risk intelligence, and trade credit signals in one place, showing you where to focus first

Purposeful next actions

Recommendations on what to do next, drawn from best practice across our trade credit network

More expert bandwidth

Assistants your team can delegate to with confidence, tuned to your processes and risk appetite

Action Intelligence adds clarity the moment debtor risk shifts

Action Intelligence is an AI credit assistant that reads every new adverse event in context — so you understand a business's financial position and choose the right next step, without digging through saved alert emails or scrolling through long credit reports.

A court action, a new cross-directorship, a shift in payment behaviour — Action Intelligence weighs the nuance behind each event. You see instantly not just that risk has changed, but what it could cost you and how to protect both your business and the trading relationship.

Action Intelligence performs a first layer of interpretation by:

  • Reading each new alert against the entity's full credit history, then assigning one of four severity ratings: act immediately, secure your position, seek further clarity, or business as usual
  • Explaining in plain language what the event means against everything else in that business's trading activity — and how it compares with similar businesses
  • Recommending next steps to reduce exposure and keep payment on track

You get more than the raw data: the full picture behind a new risk, and the confidence to act on it. AI insights support your judgement – they don’t replace it. Always check them against the underlying report.

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Act immediately
Secure your position
Seek further clarity
Business as usual
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SmartSend in Collect: Context-aware communication, drafted instantly

Stop jumping between screens, notes, and customer histories to work out what to say next. SmartSend uses AI to analyse the full account context, including overdue invoices, payment history, previous interactions, and account activity, then drafts the right communication in seconds. Whether you're chasing payment, responding to a dispute, or answering a customer query, SmartSend gives you the context and the message in one place. You review and approve every message before it is sent.

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CreditorWatch customers directly shape our AI future

Have a strong view on how AI should work for credit and accounts receivable teams? We want to hear it.

We're building the next phase of CreditorWatch AI now: interactive chat that learns how you investigate credit, agents that surface your team's most urgent daily follow-ups, and growth assistants that find room to trade more with customers who pay well.

Beta program participation is open to eligible CreditorWatch customers and may include:

  • Dedicated product support
  • Additional data allowances during the beta engagement
  • Early access to new capabilities
  • The opportunity to directly influence our AI product roadmap
Coming soon

Advanced scoring calibrated to the rise in AI and fraud risk

The next generation of CreditorWatch's RiskScore is built on more data, smarter models, and a deeper understanding of how risk moves through commercial networks.

  • We've grown our data assets significantly with more businesses, tradelines, and credit events, then rebuilt our scoring capability from the ground up to make full use of it. The result is a score that's designed to be more stable, accurate, and easier to interpret across a wider range of business types and industries.
  • We've also taken a new approach to understanding connected risk. Businesses don't operate in isolation, and neither does risk. By mapping the commercial relationships between companies, directors, and associated entities, we can identify risk that a company-level view alone would miss: phoenix activity, adverse director histories, and unusual corporate structures that may signal elevated exposure. The wider the network we can see, the more complete the risk picture.

Frequently Asked Questions