Best B2B Credit Check Software in 2026

In 2026, B2B businesses face significant challenges as late payments rose sharply across markets—Italy (+82%) and France (+56%) after March 11, 2020 (WHO pandemic declaration), with the UK also seeing an increase in overdue amounts in the same analysis—making reliable credit assessment more critical than ever. The traditional approach of manual credit checks and spreadsheet-based risk management is being replaced by AI-powered platforms that deliver instant decisions and proactive risk mitigation. Whether you're evaluating established credit bureaus or modern embedded financing solutions like Resolve's Business Credit Check, choosing the right software directly impacts your cash flow, sales growth, and customer relationships. We've analyzed 28 platforms across the B2B credit landscape to identify the 15 best solutions that combine accuracy, automation, and actionable insights for businesses of all sizes.

Key Takeaways

• Modern embedded financing platforms like Resolve combine credit checking with non-recourse financing, advancing up to 100% on approved invoices while protecting your cash flow
• AI-powered credit platforms now deliver credit decisions within 24 hours compared to traditional multi-day processes, with instant approvals available for qualified orders
• Traditional credit bureaus maintain extensive global databases but require manual interpretation, while integrated platforms automate the entire credit-to-cash cycle
• Non-recourse financing options eliminate collection risk by advancing payment on approved invoices regardless of customer payment behavior
• Businesses report up to 75% revenue growth and 40% increases in average order value when implementing modern credit and financing solutions
• Enterprise platforms can reduce bad debt by up to 20% through predictive analytics and automated workflows

1. Resolve Pay – Modern Embedded Financing with Non-Recourse Protection

Resolve Pay represents the evolution of B2B credit management by combining instant credit decisions with embedded financing and accounts receivable automation. Trusted by over 15,000+ businesses, Resolve leverages AI underwriting to deliver credit decisions within 24 hours, with instant approvals for orders up to $25,000.

Integrated Approach to Credit and Cash Flow

Resolve takes a fundamentally different approach than traditional credit bureaus. Rather than simply providing credit information that you must act upon manually, Resolve assumes the credit risk through non-recourse financing. This means they advance up to 100% on approved invoices while your customers receive 30-60 days to pay. Their platform seamlessly combines credit assessment, AI-powered accounts receivable automation, and B2B net terms in a single integrated solution.

Key Benefits

• Non-recourse financing: Merchants keep all advances regardless of customer payment, eliminating collection risk
• Rapid credit decisions: 24-hour credit decisions with instant approvals for qualified orders up to $25,000
• Full AR automation: Complete invoicing, collections, and reconciliation handled automatically
• White-label payment portal: Accepts ACH, credit card, wire, and check payments
• Seamless integrations: Works with QuickBooks, Shopify, Magento, and other major platforms through Resolve's integration platform

Client Results

Businesses using Resolve report measurable improvements in key metrics:

• 75% revenue growth on average
• 40% increase in average order value
• Elimination of manual AR tasks through automation
• Improved cash flow through advance payments on approved invoices

Best For

B2B businesses seek to offer net terms while protecting cash flow and reducing administrative burden. Particularly valuable for companies that want to compete on payment terms without the traditional trade-off between credit risk and working capital.

Getting Started

Visit resolvepay.com for a customized demonstration of how Resolve can transform your credit and collections process.

2. Dun & Bradstreet

Dun & Bradstreet maintains extensive B2B credit intelligence, with records on over 600 million businesses globally. Founded in 1841, D&B pioneered the D-U-N-S® Number system and provides proprietary PAYDEX® scores and predictive risk indicators.

What D&B Offers

Dun & Bradstreet provides sophisticated predictive analytics beyond basic credit reporting. Their Delinquency Predictor Score and Financial Stress Score offer early warnings of potential payment issues, while their Maximum Credit Recommendation automatically suggests appropriate credit limits based on extensive data analysis.

Key Capabilities

• PAYDEX® scoring (1-100 scale based on actual payment performance)
• Consumer credit linkage for small business risk assessment
• 30,000+ data sources from 200+ countries
• Industry-specific risk models
• Global business verification services

Best For

Enterprises require comprehensive predictive indicators and global business intelligence with extensive historical data.

Getting Started

Visit dnb.com to request a demonstration.

3. HighRadius Credit Cloud

HighRadius Credit Cloud provides enterprise-grade credit automation, serving over 1,300 global businesses who process $18.9 trillion in transactions annually. The platform has been recognized as a Gartner Magic Quadrant Leader for three consecutive years, combining multiple AI agents with integration across 35+ credit agencies and 15+ public data sources.

AI-Powered Capabilities

HighRadius delivers significantly faster credit approvals through automated workflows. Their platform provides 90% improvement in credit approval time and can reduce bad debt by up to 20% via predictive blocked order management. Their 360° customer risk view provides real-time updates from ERPs, credit bureaus, and financial statements in a unified dashboard.

Enterprise Features

• Automated credit application processing
• Dynamic credit limit recommendations
• Real-time risk monitoring and alerts
• Seamless ERP integration (SAP, Oracle, NetSuite)
• Comprehensive audit trails and compliance reporting

Client Results

Danone achieved annual recovery of $25.5 million in invalid deductions through HighRadius's AR automation implementation, demonstrating the platform's impact on working capital.

Best For

Large enterprises seeking comprehensive automation with proven ROI across order-to-cash processes.

4. Creditsafe

Creditsafe offers global reach covering approximately 430 million+ businesses across 200+ countries according to industry reports. Their system demonstrates strong predictive capabilities, with third-party analysis indicating 70% accuracy in predicting insolvencies 12 months in advance.

Key Advantages

Creditsafe delivers all critical information in a single comprehensive report format. Making international credit intelligence accessible to businesses of various sizes. The platform is also recognized by major US credit insurers according to industry analysis.

Core Features

• Instant online delivery (99.9% of reports)
• Single comprehensive report format
• Industry comparison ratings (A-E scale)
• Dedicated account management with fast response times
• Continuous monitoring with real-time alerts

Recognition

Creditsafe claims to be the highest rated credit bureau on Trustpilot US.

Best For

Businesses with international customers require affordable insolvency prediction and comprehensive global coverage.

5. Experian Business

Experian Business offers continuous monitoring with coverage of approximately 99.9% of US companies (27 million+ businesses) according to industry reports, plus operations in 100+ countries. With unlimited access available for around $199 per year, Experian provides strong value for ongoing credit monitoring.

Standout Features

Experian's Intelliscore Plus (0-100 scale) provides reliable risk assessment, while their proprietary CyberAgent technology proactively monitors thousands of websites for identity theft attempts. Their database receives continuous updates, ensuring current information about your customers' financial health.

Monitoring Capabilities

• Daily credit score updates
• Payment history tracking
• Debt-to-income ratio monitoring
• Credit inquiry alerts
• Fraud prevention monitoring

Global Reach

Coverage includes 30+ million verified businesses worldwide.

Best For

Small to mid-sized businesses needing affordable, continuous credit monitoring with comprehensive US coverage.

6. Gaviti

Gaviti helps mid-market businesses transition from manual, spreadsheet-based credit processes to automated digital workflows. With a 4.5/5 G2 rating and self-reported recognition as a leading Credit & Collections Software on G2, Gaviti provides an accessible platform for growing businesses.

Digital Transformation Features

Gaviti offers simple online credit applications with custom workflow support, automated approval processes based on defined rules, and continuous customer monitoring with real-time alerts when credit behavior changes. Their integration with Creditsafe ensures access to comprehensive external data.

Platform Capabilities

• Online credit application forms
• Rules-based credit limit assignment
• Real-time credit risk alerts
• DSO tracking and credit utilization reporting
• Seamless ERP and accounting system integration

Best For

Mid-market teams ready to digitize credit processes with user-friendly automation.

7. Equifax Business

Equifax Business focuses on the small business segment, offering specialized credit scores and monitoring that address unique challenges faced by startups and small enterprises. Their Business Credit Risk Score (101-992) and Business Failure Score provide targeted insights for this market segment.

Small Business Focus

Equifax excels at collecting data for businesses without extensive credit histories, making them particularly valuable for evaluating newer companies. Their monitoring tracks loan, credit card, and trade credit relationships, providing early warnings of financial stress through debt-to-income ratio changes.

Key Features

• Specialized small business credit scoring
• Payment history alerts across multiple credit types
• Debt-to-income ratio monitoring
• Trade reference verification
• Small business credit building guidance

Best For

Businesses frequently work with startups and small enterprises requiring specialized evaluation tools.

8. Global Database

Global Database offers a unified approach combining credit intelligence with sales, marketing, and compliance data. With coverage of 400+ million companies in 190+ countries and a 4.5/5 G2 rating, Global Database provides comprehensive business intelligence beyond basic credit scoring.

Comprehensive Intelligence

• 5+ years of financial data per company
• Current and historical credit scores
• UCC filings, liens, and bankruptcies (US)
• Court judgments and legal proceedings
• API access for automated lead scoring and onboarding

Best For

Companies needing credit intelligence integrated with sales and marketing data for comprehensive business development.

9. Esker Credit Management

Esker Credit Management serves multi-region enterprises requiring consistent, compliant credit decisioning across different jurisdictions. Their Synergy AI technology optimizes credit terms based on payment behavior while providing comprehensive audit trails and governance tools.

Enterprise Compliance Features

• Customizable scoring models blending internal and external risk indicators
• Synergy AI recommendations for optimal credit terms
• Built-in collaboration workspace for sales, finance, and collections teams
• Multi-language and multi-currency support
• Comprehensive compliance and audit capabilities

Best For

Multi-national enterprises require consistent, compliant credit decisioning across regions with complex regulatory requirements.

10. Quadient Credit Management

Quadient (formerly YayPay) delivers strong user satisfaction in the accounts receivable space with a 4.6/5 G2 rating. Their platform combines intelligent credit scoring with comprehensive AR automation, providing a seamless experience for finance teams.

Integrated AR Approach

• Built-in credit scoring without requiring external credit checks
• Customer credit scorecards with adjustable limits by buyer profiles
• Multi-source validation combining bureau data with internal payment history
• Automated approval workflows with risk change flagging
• Standardized scoring with structured processes

Best For

Enterprises valuing structured processes and high user satisfaction in AR automation with integrated credit management.

11. Kolleno

Kolleno features exceptional user ratings in the credit risk management space with a 4.9/5 G2 rating. Featured by Forbes and PYMNTS.com, Kolleno focuses on delivering measurable results, with clients reporting 71% reduction in overdue balance within 3-6 months.

User-Centric Design

• AI-powered workflows with conditional branches
• Real-time credit alerts when customer profiles change
• Intuitive interface built with finance teams in mind
• ISO 27001 and SOC 2 Type 2 certified
• Proven client outcomes with quantifiable results

Best For

Mid-market finance teams prioritizing user experience and measurable results in credit and collections management.

12. Sidetrade Augmented Cash

Sidetrade Augmented Cash provides advanced predictive analytics, forecasting payment behavior and risk evolution through AI-driven insights. With integration to 20+ credit bureaus and rating agencies, Sidetrade delivers comprehensive portfolio-level insights.

Predictive Capabilities

• AI-driven payment behavior forecasting
• Multi-source data consolidation (financial data, payment histories, market trends)
• Dynamic credit limit adjustments based on real-time risk changes
• Portfolio-level risk management tools
• Comprehensive analytics and reporting

Best For

Large and mid-sized companies manage extensive customer portfolios requiring predictive insights for proactive risk management.

13. Nav

Nav provides comprehensive free options for small businesses, serving 2.5+ million US small businesses. Their platform combines business and personal credit monitoring on a single dashboard, helping SMBs build credit while monitoring existing relationships.

Free Features

• Business and personal credit monitoring on one dashboard
• Access to 5 credit scores from D&B, Experian, Equifax, and TransUnion
• Real-time credit insights and alerts
• Loan matching and financing recommendations
• Educational resources for credit building

Proven Results

Users report average 40-point credit score increases within 3 months of using the platform.

Best For

Small businesses and startups need affordable credit monitoring and building tools with educational resources.

14. Moody's Analytics Pulse

Moody's Analytics Pulse delivers enterprise-grade credit intelligence at accessible pricing, with reports available for as low as $6. With coverage of 20+ million North American companies, Moody's combines advanced analytics heritage with practical AR portfolio protection tools.

AR-Focused Features

• B2B transaction search to identify slow payment behaviors
• AR portfolio analysis and protection tools
• Customizable alerts for risk changes
• Spend data integration with credit scores
• Seamless portfolio data integration

Best For

Mid-market businesses needing enterprise-grade analytics at accessible pricing with strong North American coverage.

15. Billtrust Credit

Billtrust Credit leverages 20+ years of accounts receivable automation experience across 40+ industries to deliver purpose-built credit management solutions. Their platform combines AI-driven insights with practical AR automation capabilities.

O2C Integration

• Dynamic AI Credit Lines with proactive risk management
• Customizable credit rules aligned with financial risk tolerance
• Customer self-service portals for document submission
• Seamless integration with existing AR processes
• Comprehensive order-to-cash automation

Recognition

Recognized as a G2 Best Accounting Product 2025, demonstrating strong user satisfaction.

Best For

Businesses seeking credit management deeply integrated with proven AR automation across the order-to-cash cycle.

Making Your Choice: Essential Considerations

Traditional Bureaus vs. Modern Platforms

Traditional credit bureaus like Dun & Bradstreet, Experian, and Equifax excel at providing standardized credit scores and historical data. Modern platforms like Resolve Pay, HighRadius, and Gaviti automate the entire credit lifecycle from application to collections, providing actionable insights. Some platforms like Resolve also assume the credit risk themselves through non-recourse financing.

Integration Requirements

Consider your existing technology stack when evaluating options. Platforms like Resolve's integrations with QuickBooks, Shopify, Magento, and other major systems ensure seamless data flow between your credit, AR, and payment systems, eliminating manual data entry and reconciliation errors.

Risk Management Approach

Traditional credit checking provides information but leaves risk management entirely to you. Modern solutions like Resolve offer non-recourse financing, where they advance payment on approved invoices and assume the collection risk, effectively serving as an extension of your credit team while protecting your cash flow.

AI Capabilities

AI implementation in credit workflows has become increasingly prevalent among major lenders. Platforms with genuine AI capabilities can process thousands of data points to make more accurate decisions than traditional scoring models alone, delivering faster approvals while maintaining or improving credit quality.

Why Resolve Pay Leads the Modern B2B Credit Landscape

As B2B commerce evolves, businesses need more than just credit information—they need integrated solutions that turn credit decisions into immediate cash flow improvements. This is where Resolve Pay distinguishes itself from traditional credit bureaus and even other modern platforms.

Beyond Credit Checking to Cash Flow Protection

Traditional credit bureaus provide scores and reports, leaving you to manage the risk, handle collections, and wait for customer payments. Resolve eliminates this entire burden through non-recourse financing. When Resolve approves an invoice, they advance up to 100% of the amount to you immediately. Your customer still gets their preferred 30-60 day payment terms, but you receive the cash now—and you keep it regardless of whether the customer pays.

This fundamental difference transforms how B2B businesses can compete. You can offer attractive payment terms to win more deals and increase order values, without sacrificing your working capital or taking on collection risk.

Complete Credit-to-Cash Automation

Resolve doesn't just check credit—it automates your entire accounts receivable process. From credit decisions within 24 hours (instant for qualified orders up to $25,000) through invoicing, payment collection, and reconciliation, Resolve handles it all. Their AI-powered accounts receivable automation eliminates the manual work that typically consumes finance team hours.

The white-label payment portal provides your customers with a professional payment experience accepting ACH, credit cards, wire transfers, and checks—all while maintaining your brand identity.

Seamless Integration with Your Existing Systems

Through Resolve's integration platform, the solution connects with QuickBooks, Shopify, Magento, Oracle, and other major systems. This ensures credit decisions happen automatically at checkout, invoices sync perfectly with your accounting system, and payments reconcile without manual intervention.

Proven Results That Drive Growth

Businesses using Resolve report transformative results:

• 75% revenue growth by confidently offering net terms to more customers
• 40% increase in average order value as customers purchase more with payment flexibility
• Eliminated AR workload through complete automation
• Protected cash flow through advance payments on approved invoices

For B2B businesses in 2026, the question isn't whether to use credit checking software—it's whether to settle for information alone, or to implement a complete solution that turns credit decisions into competitive advantage. Resolve Pay represents the next generation of B2B credit management, where credit checking, financing, and AR automation work together to drive growth while protecting your business.

Frequently Asked Questions

How has AI changed B2B credit decisioning in 2026?

AI has transformed B2B credit from static, historical analysis to dynamic, predictive decisioning. Modern platforms can evaluate thousands of data points in real-time, including behavioral signals and alternative data sources beyond traditional payment history. This enables significantly faster credit approvals while maintaining or improving credit quality through predictive risk identification.

What's the difference between traditional credit bureaus and embedded financing platforms like Resolve?

Traditional credit bureaus provide information and scores that you must interpret and act upon manually, while managing all credit risk and collections yourself. Embedded financing platforms like Resolve Pay combine credit assessment with financing and AR automation, often providing non-recourse advances on approved invoices while managing the entire credit lifecycle. This eliminates the gap between credit decision and cash flow impact.

How important are integrations when choosing B2B credit software?

Integrations are critical for operational efficiency and data accuracy. Platforms that seamlessly connect with your existing ERP, accounting, and ecommerce systems eliminate manual data entry, reduce errors, and ensure real-time synchronization between credit decisions and order processing. Resolve's integration platform supports major systems like QuickBooks, Shopify, Magento, and Oracle, enabling embedded credit decisions at checkout.

Can B2B credit check software help improve cash flow beyond just risk assessment?

Modern platforms go far beyond risk assessment to actively improve cash flow. Solutions like Resolve provide advance payments on approved invoices, effectively converting net terms receivables into immediate cash. This transforms the traditional trade-off between offering attractive payment terms to customers and maintaining healthy cash flow for your business.

What's the average turnaround time for business credit checks with modern platforms?

Traditional credit checks could take days or even weeks, but modern platforms have dramatically accelerated this process. Resolve Pay delivers credit decisions within 24 business hours, with instant approvals for qualified orders up to $25,000. Other AI-powered platforms also provide same-day or real-time credit decisions, enabling businesses to close deals faster while maintaining strong risk management.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.