Built by people who got tired of credit running on email.

In most B2B companies, trade credit is the largest unsecured lending operation nobody calls a lending operation. Millions of dollars of exposure are approved over email, tracked in spreadsheets, and collected from memory — while the ERP stores a single number called a “credit limit” that nobody remembers the reasoning behind.

SCREDIT started from a simple observation: the credit workflow — application, financial analysis, bureau data, policy, decision, follow-through — is one connected process, but no system treats it that way. ERPs store the data. Point tools automate fragments. The connective tissue is people forwarding PDFs.

So we built the operating system for that process: one platform where the application arrives digitally, the financials spread themselves into ratios, the scorecard applies the policy your team actually wrote, the approval routes to the right authority, and the receivable is worked until it is cash — with every step auditable.

We are deliberately early-stage and founder-led. The people who design the platform are in the demos, in the support threads, and in the implementation calls. That is not a scaling strategy — it is how we make sure the product keeps earning its place.