# CreditorWatch

> CreditorWatch is Australia's leading commercial credit reporting platform, founded in 2010. We provide businesses with reliable credit reports, AI-powered predictive insights, and end-to-end credit risk management solutions to help them onboard customers, manage credit decisions, and collect outstanding payments. Over 55,000 Australian businesses—from sole traders to ASX-listed companies—use CreditorWatch to minimise risk, protect cash flow, and trade confidently.

## Our Solutions

### Onboard
- [Onboard](https://creditorwatch.com.au/solutions/onboard): Simplify credit decisions and approve customers faster with AI-powered credit scores, automated decisioning, digital application forms, eSignatures, PPSR registration, and ongoing monitoring. Onboard combines risk assessment and workflow automation to help businesses onboard customers quickly and confidently.

### Manage
- [Manage](https://creditorwatch.com.au/solutions/manage): Gain full visibility of your customers' financial health with comprehensive credit reports, AI-powered RiskScores, real-time monitoring and alerts, payment trends, and Portfolio Health Checks. Manage empowers businesses to make faster, more informed credit decisions.

### Collect
- [Collect](https://creditorwatch.com.au/solutions/collect): Recover debt more efficiently with automated collections workflows, email and SMS reminders, escalation paths, debtor prioritisation, CreditorWatch-branded collection letters, and accounting software integrations. Collect helps reduce overdue accounts and improve collections rates.

## Knowledge Base

- [Business Credit Report](https://creditorwatch.com.au/search): Search for any Australian business's basic credit report.
- [Downloadable Resources](https://creditorwatch.com.au/downloadable-resources/): Free eBooks, guides, reports, and white papers on credit risk management, industry trends, and business strategy.
- [FAQs](https://creditorwatch.com.au/frequently-asked-questions): Frequently asked questions about CreditorWatch's Onboard, Manage, and Collect solutions, payment defaults, RiskScores, and general account queries.
- [Help Centre](https://help.creditorwatch.com.au/en/): Support documentation and guides for using the CreditorWatch platform.
- [About Us](https://creditorwatch.com.au/company/about-us): Learn about CreditorWatch's history, mission, leadership team, and company values. Founded in 2010, 230+ team members, ISO 27001 and SOC 2 certified.
- [Contact Us](https://creditorwatch.com.au/contact-us): Get in touch with the CreditorWatch team.

## Resources to help you decide

- [Blog](https://creditorwatch.com.au/news-hub/): Credit management, risk insights, economic updates, and business strategy articles.
- [From the CEO's Desk: A new approach to collections](https://creditorwatch.com.au/blog/from-the-ceos-desk-a-new-approach-to-collections/): Credit risk management is increasingly shaped by predictive data insights, automation and AI. (Mar 2026)
- [Why UBO reports are essential for Tranche 2 compliance](https://creditorwatch.com.au/blog/why-ubo-reports-are-essential-for-tranche-2-compliance/): How AML/CTF Tranche 2 compliance changes affect Australian businesses. (Mar 2026)
- [Late payments putting Australian businesses under pressure](https://creditorwatch.com.au/blog/late-payments-putting-australian-businesses-under-pressure/): 17% of businesses rate overdue invoices a major threat to profitability, cash flow and confidence. (Feb 2026)
- [Six in 10 business leaders delay major investments](https://creditorwatch.com.au/blog/six-in-10-business-leaders-delay-major-investments-as-economic-uncertainty-continues/): Business Sentiment Survey findings on economic uncertainty and cautious investment. (Jan 2026)
- [CreditorWatch achieves SOC 2 Type 2](https://creditorwatch.com.au/blog/creditorwatch-achieves-soc-2-type-2-setting-the-gold-standard-for-data-security/): Major milestone in data security and operational integrity. (Dec 2025)
- [CreditorWatch launches AI Business Profile Summaries](https://creditorwatch.com.au/blog/creditorwatch-launches-ai-business-profile-summaries-to-transform-credit-reporting-and-decision-making/): Generative AI feature to streamline credit risk assessment. (Dec 2025)
- [FAQ: ATO tax debt disclosures](https://creditorwatch.com.au/blog/faq-ato-tax-debt-disclosures/): Understanding the ATO's increasing public disclosure of outstanding tax debts. (Sep 2025)
- [Understanding ATO tax defaults](https://creditorwatch.com.au/blog/understanding-ato-tax-defaults-a-key-to-effective-credit-management/): ATO tax defaults as indicators of financial distress and how to manage them. (Aug 2025)
- [How AI reduces risk through credit scoring](https://creditorwatch.com.au/blog/how-ai-reduces-risk-through-proven-and-reliable-credit-scoring/): How CreditorWatch uses machine learning for credit scoring. (Sep 2024)
- [How does CreditorWatch's RiskScore work?](https://creditorwatch.com.au/blog/how-does-creditorwatchs-riskscore-credit-rating-system-work/): Explanation of the RiskScore system that predicts likelihood of default in the next 12 months. (Aug 2024)
- [PPSR: What is the Personal Property Securities Register?](https://creditorwatch.com.au/blog/ppsr-what-is-the-personal-property-securities-register/): Comprehensive guide to the PPSR and security interests. (May 2023)
- [What is credit risk?](https://creditorwatch.com.au/blog/what-is-credit-risk/): Definition and explanation of credit risk for businesses. (May 2023)
- [What is credit management?](https://creditorwatch.com.au/blog/what-is-credit-management/): Guide to the credit management process including extending credit and minimising risk. (Mar 2023)

## Webinars

- [Webinars](https://creditorwatch.com.au/webinars/): Free on-demand webinars on credit risk, collections, data insights, and business strategy.
- [Smarter debtor management for faster payments](https://creditorwatch.com.au/webinars/topic/smarter-debtor-management-for-faster-payment): Debtor Management is designed to help you see trouble coming early enough to act, with an end‑to‑end collections hub that lets you track overdue invoices, see which debtors carry the highest credit risk, and focus your follow‑up where it matters most. (Apr 2026)
- [Australia's Energy Shock](https://creditorwatch.com.au/webinars/topic/energy-shock): How energy price volatility is impacting Australian businesses. (Mar 2026)
- [Automate AR and get paid faster](https://creditorwatch.com.au/webinars/topic/automate-ar-and-get-paid-faster): Strategies for automating accounts receivable. (Feb 2026)
- [Data insights to power smarter credit decisions](https://creditorwatch.com.au/webinars/topic/data-insights-to-power-smarter-credit-decisions): Leveraging data for better credit decisioning. (Dec 2025)
- [Taking control of ID fraud prevention](https://creditorwatch.com.au/webinars/topic/taking-control-of-id-fraud-prevention): Fraud prevention strategies for businesses. (Dec 2025)
- [The ATO's current approach to debt](https://creditorwatch.com.au/webinars/topic/the-atos-current-approach-to-debt): Understanding ATO debt management obligations. (Oct 2025)
- [Early warnings, smarter decisions: Business risk insights](https://creditorwatch.com.au/webinars/topic/early-warnings-smarter-decisions): Business risk monitoring and early warning signs. (Sep 2025)

## Case Studies

- [Case Studies](https://creditorwatch.com.au/casestudies/): Real-world examples of how Australian businesses use CreditorWatch.
- [C. Fulton](https://creditorwatch.com.au/casestudies/c-fulton): Construction company using CreditorWatch to streamline credit risk, speed up onboarding with ApplyEasy, and protect cash flow with real-time monitoring.
- [Ray White Commercial](https://creditorwatch.com.au/casestudies/ray-white-commercial): How Ray White Commercial uses CreditorWatch to cut arrears, manage tenant risk and stay compliant in Sydney's commercial property market.
- [Slabmaster](https://creditorwatch.com.au/casestudies/slabmaster): Manufacturing business that strengthened credit decisioning, improved onboarding, and gained greater visibility over customers and suppliers.

## Innovation Roundup

- [Innovation Roundups](https://creditorwatch.com.au/innovation-roundup): Track application updates, feature releases, enhancements, and improvements across CreditorWatch products.
- [What's new in Manage - June 2026](https://creditorwatch.com.au/solutions/manage/whats-new-in-manage-june-2026): Latest June's features and innovations in customer vetting and credit risk management.
- [What's new in Manage - May 2026](https://creditorwatch.com.au/solutions/manage/whats-new-in-manage-may-2026): Latest May's features and innovations in customer vetting and credit risk management.
- [What's new in Manage - April 2026](https://creditorwatch.com.au/solutions/manage/whats-new-in-manage-april-2026): Latest features and innovations in customer vetting and credit risk management.
- [What's new in Manage - March 2026](https://creditorwatch.com.au/solutions/manage/whats-new-in-manage-march-2026): Latest features and innovations in customer vetting and credit risk management.
- [What's new in Manage - February 2026](https://creditorwatch.com.au/solutions/manage/whats-new-in-manage-feb-2026): Features and innovations for credit risk management.
- [What's new in Collect - June 2026](https://creditorwatch.com.au/solutions/collect/whats-new-in-collect-june-2026): June 2026 Latest features, integrations, and innovations for accounts receivables.
- [What's new in Collect - May 2026](https://creditorwatch.com.au/solutions/collect/whats-new-in-collect-May-2026): May 2026 Latest features, integrations, and innovations for accounts receivables.
- [What's new in Collect - April 2026](https://creditorwatch.com.au/solutions/collect/whats-new-in-collect-april-2026): April 2026 Latest features, integrations, and innovations for accounts receivables.
- [What's new in Collect - March 2026](https://creditorwatch.com.au/solutions/collect/whats-new-in-collect-march-2026): March 2026 Latest features, integrations, and innovations for accounts receivables.
- [What's new in Collect - February 2026](https://creditorwatch.com.au/solutions/collect/whats-new-in-collect-feb-2026): Features and innovations for accounts receivables.

## Business Risk Index

- [Business Risk Index](https://creditorwatch.com.au/business-risk-index): CreditorWatch's monthly report on Australian business conditions, industry performance, insolvency risk, and economic trends. Download the latest and previous editions.
- [Australia's energy shock is exposing hidden fault lines in business credit risk](https://creditorwatch.com.au/blog/australias-energy-shock-exposing-hidden-fault-lines-in-business-credit-risk): Latest analysis of how energy prices are impacting business credit risk across Australia.
- [Energy shock pushes Australia into a high-risk phase](https://creditorwatch.com.au/blog/energy-shock-drives-business-stress-sole-traders-hit): Energy shocks, inflation and rate pressure are pushing business risk sharply higher. (Apr 2026)
- [Cafés and restaurants in crisis while pubs power on](https://creditorwatch.com.au/blog/cafes-and-restaurants-in-crisis-while-pubs-power-on-insolvencies-trending-up-again): Record-high failure rates in the food service sector. (Feb 2026)