Trade credit

Trade credit, decided in real time across New Zealand and Australia.

Credisense gives credit teams one platform to open trade accounts, set limits and keep watch on them, with bureau, company, director and identity data checked the moment an application arrives.

Built for heads of credit, credit managers and AR teams in trade, wholesale and distribution.

Book a demo Our AICM partnership

The trade-credit lifecycle

One account lifecycle, start to finish.

From the first credit application to ongoing review and the collections handoff, every step runs on the same platform and the same policy.

Apply

Trade-account applications captured through branded online forms, with guarantors, trading names and supporting documents collected up front.

Decide and set the limit

Real-time checks across bureau, company and director data, identity and AML/KYB, scored against your policy to recommend a credit limit and terms.

Create the account in your ERP

On approval, the trade account is created directly in your ERP, with the agreed limit and terms written back, so the customer is ready to trade without manual re-keying.

Monitor and review

Accounts watched after approval, with scheduled reviews, limit changes and alerts on adverse signals. Not a one-time decision.

Hand off to collections

Approvals, documents and downstream actions orchestrated, with a clean handoff to collections when an account needs it.

Connected intelligence

Everything required to make a lending decision, connected in one platform.

Credisense connects lenders to credit bureaus, identity and biometric providers, financial data, property information, verification services and workflow systems through a single real-time platform, enabling faster onboarding, automated decisioning and operational scale across the entire credit lifecycle.

Credit bureaus Identity verification Open banking Property & vehicle data Fraud & compliance Workflow automation

Security & compliance

Enterprise-grade security and compliance built into every workflow.

Encryption in transit and at rest

Role-based access and audit controls

Privacy Act and GDPR aligned architecture

Secure cloud deployment across regulated environments

ISO 9001
Quality

ISO 27001
Security

Secure
Cloud

Why Credisense

Credit decisions that hold up.

Trade credit runs on judgement under time pressure. Credisense gives that judgement real-time data, a consistent policy, and a record of every decision.

Real-time bureau, company and director checks

AML, KYB and identity verification built in

A consistent credit limit and terms policy

Decisions you can reconstruct and audit

Ongoing account monitoring, not one-off

One workflow from application to collections

Trans-Tasman operations

One platform across both sides of the Tasman.

Many trade-credit teams operate in New Zealand and Australia at once. Credisense runs both markets on one platform, with the right data sources for each and a consistent credit policy across them.

New Zealand and Australian bureau and company data

Director and identity checks for each market

One credit policy, applied consistently

Offices in Auckland and Sydney

Cross-border reporting in one view

Industry standing

Backed by the credit-management profession.

National partner

Australian Institute of Credit Management (AICM)

Credisense is a national partner of the Australian Institute of Credit Management, the professional body for credit managers across Australia. We build for the way trade credit is actually run.

Credisense is a valued national partner of the AICM and a recognised leader in credit technology. Their innovative customer origination and credit decisioning solutions help credit professionals streamline processes, improve risk management, and deliver better customer experiences. Credisense's ongoing commitment to supporting the credit community makes them an important contributor to the future of our industry.

NP Nick Pilavidis
Chief Executive Officer, AICM

See our industry participation

Decisioning workspace

See every trade account in one queue.

Applications, checks, decisions and reviews in a single operational view, so the credit team works from one place instead of chasing systems.

Live application and review queue

Bureau, identity and policy results in context

Limit and terms recommendation at the point of decision

Full history on every account

Credisense trade-credit application queue with bureau, identity and policy results

Governance and control

Built for regulated, auditable credit operations.

Every decision is reconstructable, every change is controlled, and access maps to responsibility.

Auditable decisions, reconstructable end to end

Role-based access aligned to responsibility

Maker and checker controls on sensitive changes

ISO 27001 certified and ISO 9001 accredited

Put your trade-credit decisions on one platform.

See how Credisense opens accounts, sets limits and monitors trade credit across New Zealand and Australia.

Book a demo Our AICM partnership View enterprise scale