SCREDIT

What SCREDIT is

SCREDIT brings customer onboarding, credit decisions, financial-risk analysis, collections, and portfolio exposure into a workflow for B2B finance and credit teams. Digital applications gather documents, e-signatures, and trade references to form approval-ready customer profiles. Teams can connect those applications with underwriting, bureau intelligence, approval workflows, portfolio analytics, accounts-receivable visibility, and collections execution. For construction credit, workflows track exposure by job, retainage, lien deadlines, bond status, and project-specific risk. SCREDIT connects with SAP, NetSuite, Dynamics 365, QuickBooks Online, Salesforce, eight commercial bureaus, Plaid, Middesk, Persona, Avalara, Stripe, Levelset, NCS, and Handle. It leaves the ERP as the record for invoicing, terms, due dates, and cash application, while sending decisions and approved limits back. Each plan includes SCONNECT for customer applications, documents, invoices, statements, payments, and executed agreements. Available on Android, iOS, and web, SCREDIT uses tenant-specific schemas, access controls, encryption, monitoring, and audited administrative workflows. Its controls are designed around SOC 2 principles, though EFILOS's third-party SOC 2 audit is not complete. Plans are billed annually, starting at $750 a year.

Who it suits

SCREDIT suits B2B credit and finance teams processing 50 or more credit applications each month, including teams in manufacturing, wholesale and industrial distribution, construction supply, and FMCG/CPG. It is particularly relevant where teams need connected application, risk, AR, and collections workflows while retaining their ERP as the record for core accounting details.

Limits

Starter is for 25–60 applications per month and includes digital applications, weighted scorecards, core AR views, watchlists, SCONNECT, and email support. Approval routing, bureau integrations, collections queues, promise-to-pay, and disputes workflow begin with Growth; multi-entity, multi-currency, and construction credit are included with Scale.

Getting started

1. Open the SCREDIT product website.
2. Choose Starter, Growth, Scale, or Custom based on your workflow needs.
3. Use the web, Android, or iOS platform.
4. Configure the relevant ERP, bureau, and other service connectors.
5. Use SCONNECT for customer applications, documents, invoices, payments, and agreements.

Verdict

Choose SCREDIT if your B2B team needs a joined-up process for applications, credit decisions, portfolio risk, and collections, with customer-facing SCONNECT included. Starter begins at $750 a year, billed annually; teams needing multi-entity, multi-currency, or construction credit must look at Scale, while the third-party SOC 2 audit remains incomplete.