The ledger your credit decisions run on.
SBOOKS keeps invoices, payments, and the general ledger in one place — so exposure, aging, and collections work from what actually happened, not from a spreadsheet someone exported last week.
One event, five views
5 books
Configured on day one
5 countries
Consolidated statements
Group
SCREDIT demo environment · illustrative data, not a customer
The accounting foundation under the credit OS
Credit decisions are only as good as the receivables record behind them. SBOOKS is where invoices go out, payments come in, and the ledger agrees with both — the record SCREDIT reads to compute exposure, age receivables, and trigger collections. Underneath, one posting is kept in five books at once: operational, statutory, management, tax, and consolidation. Your local filing and your internal reporting stop being two spreadsheets that have to be reconciled to each other.
SBOOKS is the accounting foundation the credit workflows run on: invoices out, payments in, and a general ledger that agrees with both — kept simultaneously in operational, statutory, management, tax, and consolidation books.
SCREDIT demo environment · illustrative data, not a customer
Built for finance teams carrying trade credit
Perfect For
- Suppliers billing customers on terms
- Distributors running high invoice volume
- Multi-entity, multi-currency operations
- Finance teams supporting a credit desk
Credit and Collections
Aging, exposure, and promise-to-pay all read from the same ledger the invoices posted to.
High-Volume Distribution
Handle large invoice and payment volumes across branches and account groups without re-keying.
Why disconnected accounting breaks credit decisions
Re-keyed data
invoices and bank transactions retyped between systems, so the balance a credit analyst sees is already out of date.
What SCREDIT doesBank feeds and direct posting keep one record, so exposure is computed from the ledger rather than from a stale export.
Slow close
waiting until well after month-end to know what the business actually collected.
What SCREDIT doesContinuous close. P&L, balance sheet, and AR aging reflect posted activity as it happens.
Disconnected systems
invoicing, expenses, and payroll in separate silos, each carrying its own version of the truth.
What SCREDIT doesOne unified ledger, so credit, collections, and finance work from the same numbers.
Invoicing & Bills, Posted to the Ledger
Raise invoices and record bills, each posting to the general ledger as it moves through its lifecycle — in any currency you trade in.
Configurable Forms
Sales form layout and messaging set to your terms
Reminder Messaging
Configure the message that goes out on overdue balances
Lifecycle Events
Invoice paid, cancelled, written off, and credit notes — emitted as events
Bank Reconciliation You Can Audit
Statement lines are matched on date, amount, and direction, and every match carries a confidence score. You set the threshold at which the system stops deciding and asks you.
Statement Import
CSV, MT940, and ISO 20022 CAMT, plus bank feeds via Plaid
Confidence-Scored Matching
Unique lines auto-match; duplicates are flagged for review, never guessed
Audit Trail
Full history of every reconciliation action
Configured for the Country You Trade In
Pick a country when you create the organisation and the ledger arrives configured — functional currency, fiscal calendar, tax framework, chart of accounts, and the compliance reports that jurisdiction expects.
Five Jurisdictions
United States, United Kingdom, Australia, India, and Canada
Real Local Detail
Sales tax vs VAT vs GST, EIN vs VAT number vs GSTIN, and a UK year that starts in April
Added as Data
New countries ship as a validated JSON pack — no country logic is hardcoded in the engine
Consolidated Reporting Across Entities
Balance sheet, income statement, cash flow, trial balance, and equity rollforward — consolidated across your entities, with intercompany eliminations applied.
Group Consolidation
Elimination rules and intercompany handling across the group
Explain Any Figure
Drill a consolidated account into each entity's contribution to it
Multi-Currency
Managed FX rates, with revaluation across reporting currencies
SBOOKS vs The Rest
Measured against the two ways credit actually runs today — not against a straw man.
| Criterion | SBOOKSRecommended | Spreadsheets | Legacy ERP ledger |
|---|---|---|---|
| Statutory, management & tax views | Five books, one posting | Separate tabs, reconciled by hand | One book plus adjustments |
| Group consolidation | Eliminations and intercompany built in | Usually a separate module | |
| Explain a consolidated figure | Drill to each entity's contribution | Trace the formula | Export and investigate |
| New country | A configuration pack | A new workbook | An implementation project |
| Feeds Credit Decisions | Directly, from the ledger | By export | By interface project |
Switch in 3 Simple Steps
Import Data
Bring in your chart of accounts and opening balances by CSV.
Connect Banks
Securely link your bank accounts for live feeds.
Automate
Set up invoice rules and expense categories.