Use the credit review workspace in Collections

Conduct credit reviews to reduce payment delinquency, prevent emerging delinquency, and keep cash flowing. Analyze payment behavior, adjust credit limits, and request documentation - all from one screen. AI-powered recommendations reduce manual effort, providing trustworthy guidance while leaving you fully in control.

Navigation: Select Accounts, find the relevant account record, and then select Credit review from the left menu.

Credit Review Limit

Review AI-powered recommendations to increase, decrease, or maintain the account’s current credit limit. Recommendations are based on a comprehensive analysis of 80+ data points across the past 12 months of buyer behaviour. Each recommended adjustment includes a plain-language rationale explaining the reason behind every decision.

To update the credit limit, next review, and review frequency fields, select the pencil icon and then enter your choices.

Review Credit Data

AI prioritises accounts based on historical behaviour and third-party data, helping you identify emerging delinquency before it becomes a problem.

See the risk segment to which the account belongs
Compare credit utilisation with overdue balance
Ensure that average payment behaviour falls within an expected range
Monitor open disputes

Reasons to Review

AI-generated reasons appear alongside any triggers you have configured, highlighting patterns across payment behaviour, financial exposure, and transaction trends that may warrant attention.

AI-generated reasons are labelled with the Billtrust Autopilot indicator to distinguish them from manually configured triggers.

Add Notes

The Notes module maintains a running log of all actions taken on the account.

Select the plus sign to manually add a note. You can attach files to notes and label them using any note codes you have created. See Create and Edit Note Codes for instructions.

Send a New Message

If you need more information before completing a review, select New message to email the account contact without leaving the workspace.

Link Credit Application

If you are a Billtrust Credit customer, you can link an account’s credit application to the account record for more insight into their creditworthiness.

Select Link credit application.
Find the application in the list - search by keyword or filter by account number.
Select Link credit application.

Credit Utilisation and Delinquency

Two bar charts appear at the bottom of the workspace, giving you a clear picture of credit utilisation and delinquency over time. Hover over each bar to see the data it represents.

Complete a Credit Review

After assessing the account’s credit in the workspace, follow these steps to complete the review:

Select Complete review.
Accept or manually adjust the recommended credit limit.
Select the next review date.
Enter the review interval. Available intervals: 1, 3, 6, 12, 18, or 24 months.
Use the free-text field to explain the reason for the review.
Select Confirm.

Need Help?

If AI-powered recommendations are not appearing in the Credit Review workspace, confirm that Agentic Credit Lines is enabled for your organization. Contact the Billtrust Support team for further assistance.