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NederlandsAI-Powered Credit Management Automation Software
Esker combines real-time external credit risk data with internal payment behavior to reduce bad-debt exposure, prevent blocked orders and support profitable growth. As a comprehensive Credit Risk Management software, our platform helps credit teams navigate complex credit lifecycles with ease, providing the speed and visibility required in modern finance.
Turn credit risk monitoring into a driver of profitable growth
In today’s volatile business environment, finance teams must pursue growth while managing risk, reducing DSO and protecting cashflow. Yet manual processes and fragmented data limit visibility, slow decision-making and lead to inconsistent outcomes. Esker transforms credit management into a strategic advantage, helping businesses mitigate potential risk before it impacts the bottom line.
Faster, smarter credit decisions
Reduce delays and and improve consistency across the organization with AI-driven risk assessment and approval cycles.
Gain real-time visibility into credit risk
Centralize internal and external data to monitor exposure, anticipate credit deterioration and make proactive, informed decisions.
Enable collaboration to support growth
Connect finance and sales teams with shared insights and workflows, turning credit management into a driver of efficient, scalable order-to-cash performance.
Business outcomes from Esker’s Credit Risk Management platform
Reduce DSO & optimize working capital Make faster, data-driven credit decisions that improve cashflow and strengthen working capital.
Reduce write‑offs by up to 25% Identify customer credit risk earlier and take action before it turns into significant credit losses.
Reduce blocked orders
by 30% Use predictive models and real-time risk insights to prevent unnecessary order holds and keep revenue moving.
How Esker Credit Management software works across the credit lifecycle
Esker Credit Management gives credit teams a single workspace to review customer situations, manage credit requests and act on risk signals before they impact orders, cashflow or customer relationships.
01
Digitize customer onboarding
Replace manual forms, emails and spreadsheets with customizable, white-labeled online credit applications that standardize customer onboarding and improve data quality from the start.
02
Centralize customer risk intelligence
Bring internal and external credit data together in one 360° customer view, including ERP data, financial statements, credit bureau insights, credit insurance information, payment behavior and receivables.
03
Analyze risk with AI-supported insights
Use Esker Synergy AI to extract financial data, summarize customer situations, detect risk signals and recommend next best actions.
04
Automate credit decisions and approvals
Apply corporate risk matrices, scorecards and workflow rules automatically to calculate credit scores, suggest credit limits and route approvals to the right stakeholders. Routine decisions can be automated while exceptions remain fully controlled and policy compliant.
05
Monitor risk and protect cashflow
Track customer and portfolio risk with real-time dashboards and alerts for credit limit breaches, rating changes, blocked orders and other early warning signals.
AI built for smarter credit decisions
Credit management isn't just about accessing data, it's about making the right credit decisions at the right time. As risks evolve, finance teams need intelligent AI agents that actively support confident decision-making. This is the new indutry standard for credit analytics.
Esker AI Agent for credit management
- Prioritizes critical credit tasks and actions
- Summarizes customer situations in seconds
- Highlights key credit risk signals instantly
- Recommends actions for smarter credit decisions
- Helps credit analysts focus on priorities
Autonomous financial statement analysis
- Extracts and analyzes statements automatically
- Calculates key financial ratios instantly
- Generates clear performance summaries
- Accelerates financial reviews by up to 90%
Predictive risk & blocked orders
- Uses AI to detect credit risk earlier
- Identifies customer risk profiles proactively
- Reduces unnecessary blocked order issues
- Provides real-time predictive risk alerts
Esker Credit Management key features
Agentic AI for credit teams
Support prioritization and decision-making with a specialized AI agent that anticipates risks and streamlines financial analysis.
Integrated credit bureau & credit insurance
Connect seamlessly to credit bureaus and insurers via APIs to enrich credit decisions with real-time external data and manage policies efficiently.
Advanced credit scoring & risk assessment
Build and apply tailored scorecards to evaluate customer risk and support consistent, data-driven credit decisions, based on specific needs and criteria.
Automated order release & blocking
Reduce manual intervention by automating order holds and releases based on real-time risk evaluation and credit policies.
360° customer risk view
Access a complete view of each account by combining internal data, financial indicators, payment behavior and collections insights in one place to manage risk and make smarter decisions.
Automate credit decisions, monitor customer risk and manage credit limits with greater confidence across the full order-to-cash cycle.
EBOOK
Optimize credit & collections performance simultaneously
Align your financial workflows to protect working capital, secure revenue and minimize outstanding accounts receivable.
Credit management built for every team in the order-to-cash process
CFOs & Finance Leaders
How Esker helps
Provide global dashboard visibility into corporate credit exposure, policy compliance and portfolio risk.
Business impact
Improve working capital predictability, strengthen internal controls and secure profitable B2B growth.
Credit Managers
How Esker helps
Standardize and automate credit policies, monitor portfolio risk in real time and provide full visibility into team performance and decision processes.
Business impact
Improve decision consistency, reduce manual workload and strengthen control over credit risk across the portfolio.
Credit Analysts
How Esker helps
Leverage Synergy Agent to prioritize tasks, analyze financial data automatically and provide contextual recommendations for faster decision-making.
Business impact
Save time on low-value tasks, help credit analyst focus on critical accounts and enable faster, more accurate and consistent credit decisions.
Sales Teams
How Esker helps
Access credit information on the go, submit credit check requests and collaborate seamlessly with finance through shared tools and workflows.
Business impact
Accelerate deal cycles, reduce friction with finance and close more business without increasing risk.
Connect credit management across the entire order-to-cash cycle
Credit management is the foundation of an efficient order-to-cash cycle. With Esker, finance teams benefit from a unified system that seamlessly connects credit, invoicing, collections, cash application and deductions management. By centralizing data and automating processes across the customer lifecycle, Esker helps eliminate silos, improve visibility and enable faster, more informed credit decisions.
Collections Management
Turn payment behavior into smarter credit decisions. Share risk categories with collections teams, prioritize collection strategies based on customer risk and use real-time payment behavior, payer ratings and promise-to-pay information directly within credit reviews.
Ready to strengthen your credit management strategy?
Discover how Esker helps finance teams automate credit assessments, improve risk visibility and make smarter decisions to support cash flow and business growth.
Frequently asked questions
What is credit risk management software?
Credit risk management software helps B2B organizations evaluate, monitor and control the financial risks of extending trade credit to business buyers. It replaces manual processes with automation for online credit applications, credit scoring models, credit limit allocations, approval routing and continuous portfolio health tracking.
Is Esker credit management software designed for commercial banks?
No. Esker Credit Management is built specifically for B2B organizations in industries such as manufacturing, wholesale distribution, technology and corporate services. It helps manage trade credit risk and accounts receivable health within corporate supply chains. It is not designed for consumer lending, personal credit scores, retail loan origination or bank regulatory reporting.
How does Esker integrate with enterprise ERP systems and accounts receivable software?
Esker provides secure native integration with major ERP ecosystems, including SAP, Oracle, Microsoft Dynamics and other financial systems. It synchronizes credit limits, open invoice statuses and blocked-order workflows in real time to support data integrity, predefined credit rules and data-driven credit controls across your IT environment.