Pricing
Plans sized by credit operation.
Four plans, one platform. Every plan includes the SCONNECT customer portal, audit trails, and the core credit workflow — modules and scale grow with you.
SCREDIT is built for teams handling 50 or more credit applications a month. That is the honest threshold — below it, the decisioning and policy layers do not earn their keep, and a good spreadsheet and a careful person will serve you better.
The floor is about application volume, not company size or headcount. A single credit desk running 60 applications a month is squarely in scope. A ten-person department reviewing 15 is not — and we would rather tell you that here than on the third call. If you are close to the line or growing toward it, ask us and we will give you a straight answer.
Between roughly 20 and 50 a month, it is a judgement call — and the deciding factor is not the number. It is whether the cost of having no record has already landed: a decision someone needed to reconstruct and could not, a second person now making calls differently from the first, or an auditor asking a question the spreadsheet cannot answer. If none of those has happened yet, wait — you will know when it does. If one of them has, Starter earns its keep at 25 applications a month as readily as at 60.
Starter
From $750/mo
Billed annually
Built to be run by one person. If you are the credit function, this is the plan. Sized for 25–60 applications a month.
- Digital credit applications & document intake
- Weighted scorecard decisioning
- Core AR aging & customer views
- Risk watchlists & credit alerts
- SCONNECT customer portal
- Email support
Growth
From $2,000/mo
Billed annually
A credit team standardizing policy and collections
- Everything in Starter
- Policy-driven approval routing & authority matrix
- Bureau integrations
- Prioritized collections queues & promise-to-pay
- Watchlist-driven queue prioritization & escalation
- Disputes & claims workflow
Scale
From $4,500/mo
Billed annually
Multi-entity operations with specialized workflows
- Everything in Growth
- Multi-entity & multi-currency operations
- Construction credit: job sheets & lien-aware workflows
- Industry watchlist packs & concentration-risk monitoring
- Priority support
Custom
Custom quote
Priced on application volume, entities and integration scope
Enterprise procurement support, bespoke integrations, and dedicated environments, shaped to your organisation.
- Everything in Scale
- Board & CFO portfolio risk views
- Custom integrations & data migration
- Dedicated environment options
- Security review & procurement support
- Named contact on the product team
Now onboarding
Or come in as a founding partner.
We have no publicly named customers yet, and the first few matter more to us than the revenue does. Founding partners keep a permanent percentage discount off list price — on any plan, for as long as the subscription runs — plus direct access to the people building the product and real influence over what gets built next.
What we ask in return: we agree before signature that after go-live you will let us publish a named case study — your company, a quoted person, your before and after numbers, and how long implementation actually took. It is a trade, not a giveaway, and we would rather set that expectation on this page than on the third call.
What drives the price
Four things, and we will tell you all four.
Each plan shows where it starts. These four things decide where you land above it — so you can size your own position before you talk to us, rather than discovering it on a call.
Users
How many people work in the system — credit analysts, collectors, AR, and the managers who approve. Customer-side portal users are not counted; SCONNECT is included in every plan.
Application volume
Credit applications and reviews per month. This is the single biggest driver, because it is what the decisioning and bureau layers actually do work against.
Entities
Legal entities, currencies, and ledgers you run credit across. One entity is simple; a multi-entity group with intercompany exposure is not.
Modules
Which parts you turn on — collections, disputes, construction credit, bureau integrations, risk watchlists. You can start narrow and add later without repricing from scratch.
Before you call
What it has to be worth.
We will not put a licence figure on this page before we have sized your operation. What we can give you is the arithmetic, so you can do it yourself first.
Start with your own receivables and your own worst year. A supplier carrying $14M of receivables who writes off half a percent loses $70,000 — one event, usually one customer, and usually one nobody can reconstruct the approval reasoning for. Put your own bad-debt line from last year in place of that figure, then ask what a single prevented write-off is worth against a subscription.
Then the two that never show up in a bad-debt line. A lien deadline that was missed rather than merely tight — price that at the receivable it stopped protecting. And an order that sat for a week waiting on a credit decision — price that at the margin on the order, plus whatever the customer’s next call to a competitor is worth.
Bring your write-off history and your DSO to the first call and we will do this arithmetic with you, out loud, before anyone talks about a figure.
Pricing questions, answered straight
What is in the starting price, and what moves it?
The starting price is a floor, not a quote: it is what a plan begins at, billed annually. What moves it above that floor is the four drivers set out above — users, application volume, entities, and modules — so you can size your own position before you speak to anyone. Bureau report fees are passed through at cost rather than marked up. We are early enough that we would rather show you where a plan starts and quote the rest honestly on the first call than publish a precise number we cannot yet stand behind.
What does the founding cohort get?
Founding partners get a permanent percentage discount off list price, direct access to the team building the product, and genuine influence over the roadmap. In exchange, we agree before signature that after go-live you will let us publish a named case study — your company name, a quote from your team, and your before-and-after numbers. Details are on the Founding Partners page.
Is there an implementation fee?
Implementation scope depends on data migration and integrations. Starter and Growth deployments are typically configuration-only. We quote implementation separately and fixed-price, so there are no surprises.
Are we too small for this?
The line we draw is volume, not headcount. SCREDIT earns its keep from around 50 credit applications a month — a single credit manager at that volume is squarely a fit, and Starter is built for exactly that. Below roughly 20 a month, honestly, a well-run spreadsheet and a clear policy will serve you better than we will, and we would rather say so now than sell you something you do not need yet.
Can we start small and expand?
Yes — that is the intended path. Most teams start with applications and decisioning, then turn on collections, disputes, the portal, and construction credit as processes move over. Plans are upgraded in place; your data and configuration carry forward.
What is the contract term?
Annual by default. Founding partners keep their discount as a fixed percentage off list price for as long as the subscription stays active — if list price moves, the discount moves with it.
Which plan do we need for risk watchlists?
Any of them. Standing watchlists and credit alerts are in every plan including Starter, for the same reason the portal is: monitoring your book between reviews is part of running credit properly, not a premium feature. Growth is where entry starts moving work, because that is where the approval routing and prioritized collections queues a watchlist can reprioritize live. What Scale adds is the industry packs — starting segments shaped for how credit actually works in your sector, rather than generic thresholds your team has to invent — and concentration-risk monitoring across the portfolio. Custom adds the board and CFO exposure views. We configure your first watchlists with you during onboarding on every plan.
Is the customer portal an add-on?
No. The SCONNECT customer portal is part of every plan, including Starter — we consider it core to running credit well, not an upsell.
Get a real quote on the first call.
Fifteen minutes about your volume, entities, and workflows — then a number, not a nurture sequence. If we cannot give you a number in that call, we will tell you what we still need and when you will have it.