Credit control software
Credit control software for B2B finance teams
Set a credit limit for every customer, see the exposure against it as it moves, and chase what goes overdue — credit and collections management in one system instead of a spreadsheet nobody trusts by the third week of the month.
14-day free trial · No credit card required
- A credit limit per customer, checked against the live outstanding balance
- Over-limit customers flagged automatically, not discovered at month end
- Payment behaviour on file: promises made, promises kept, days to pay
- Invoice aging and overdue exposure by customer, branch and collector
- Every limit change and follow-up timestamped and attributed
Credit and collections management in one system
Credit control fails in a predictable way. The limits are agreed once, written into a spreadsheet or the notes field of an accounting system, and then never looked at again. Exposure creeps up invoice by invoice, nobody is watching the total, and the first time anyone notices is when a customer stops paying and the balance turns out to be three times what was ever authorised.
The reason is rarely negligence. It is that the credit limit lives in one place, the outstanding balance lives in another, and comparing them is a manual job somebody has to remember to do. Nothing raises its hand.
CollectFlows keeps the two together. The limit is a field on the customer, the outstanding balance is computed from the invoices you imported, and the comparison happens continuously — so an account that has gone over its limit is flagged in the same list your collectors already work from. Credit control and collections management stop being two separate exercises.
What the software does
Credit decisions, the exposure they create, and the recovery when it goes wrong.
Credit limit per customer
Record the limit you agreed with each customer. Their live outstanding balance is compared against it continuously, and the account is flagged the moment it goes over — not at month end.
Exposure you can actually see
Total outstanding, overdue amount and oldest unpaid invoice per customer, in one list you can sort by exposure. The question "who owes us the most, for the longest" takes one click.
Credit review with the evidence attached
When a customer asks for a higher limit, their payment behaviour is already on file: every promise made, every promise kept or broken, and how long they habitually take to pay.
A defensible audit trail
Limit changes, status changes, follow-ups and imports are timestamped and attributed. If a bad debt has to be explained to an auditor or a shareholder, the record is already there.
Segregated by branch and role
A collector sees their own book, a branch manager sees their branch, and finance sees the group. Five roles including a read-only Viewer, so credit data is visible to the people who need it and no one else.
DSO and concentration risk
On Enterprise, the Intelligence Board reports days sales outstanding, best-possible DSO, 90+ day exposure and how much of the book sits with your largest customers — the numbers a credit policy is actually reviewed against.
The four questions a credit controller has to answer
Whatever the size of the ledger, credit control comes down to four questions, and a system is only worth having if it answers all of them without a spreadsheet in between.
Who is over their limit right now? A live comparison of outstanding balance against the recorded limit, sortable so the largest breaches surface first.
Should this customer get more credit? Their history answers it — how long they actually take to pay, how many payment promises they have made, and how many of those they kept. That record is built as a by-product of your team doing its job, not from a survey nobody fills in.
Where is the money we are already owed? Aging buckets by customer, branch and collector, which is the same view the aged debtors report is built from.
Is the position improving? Collections against target, month to date, and on Enterprise a DSO trend — so a credit policy can be judged on whether it is working rather than on whether it feels prudent.
For the process behind those four questions — assessment, limits, documentation, monitoring, escalation and the two review cycles that stop limits going stale — see our practical guide to the credit control process.
Credit control in the UAE and GCC
Two things about credit control in this region change how the software has to work rather than just what it says on a page.
The first is structure. A UAE trading or contracting group typically runs several branches with separate customer books, and the same customer name can appear in more than one of them. Credit exposure is meaningful at the group level and accountability is meaningful at the branch level, so CollectFlows reports both: a branch manager sees their branch, head office sees the consolidated position.
The second is language. A credit and collections team here is routinely bilingual, and the person who negotiated the limit is not always the person who has to explain it. The AI assistant answers in English or Arabic from your live data, so “which customers are over their credit limit” is a question either half of the team can ask in their own language. There is more on the regional specifics on the accounts receivable software for UAE finance teams page.
Credit control software FAQ
- What is credit control software?
- Credit control software manages the credit a business extends to its customers and the receivables that credit creates. In practice that means three things: deciding and recording how much credit each customer gets, monitoring the exposure against that limit as invoices are raised and paid, and recovering the balance when it goes overdue. It sits between your accounting system, which records the invoices, and your sales team, which creates the exposure.
- How is credit control different from collections?
- Credit control is preventative and collections is corrective. Credit control decides who gets credit, how much, and on what terms, so that bad debt is avoided before the first invoice is raised. Collections deals with what has already gone overdue — chasing it, recording what the customer commits to, and escalating when the commitment is not met. Most finance teams run both, which is why they are often bought together as credit and collections management software.
- Does CollectFlows block orders when a customer is over their limit?
- No, and that is a deliberate boundary. CollectFlows has no sales order or quotation module, so it cannot place an order on hold the way an ERP credit check does. What it does is flag the customer as over limit as soon as their outstanding balance crosses the figure you recorded, and surface that flag in the customer list your team works from. Whether to keep supplying is a commercial decision, and it stays with your team.
- Do we have to move off our accounting system?
- No. Your accounting system stays the system of record for invoices and cash. CollectFlows imports the invoice statement it already exports — Excel or CSV, with column mapping detected automatically — and manages credit limits, chasing and reporting on top of it. Nothing about your VAT reporting or your month-end close changes.
- What does it cost, and can we try it first?
- Plans start at AED 145 per month for 5 users, with AED 475 for 20 users and an Enterprise tier for larger teams that adds the Intelligence Board, automated sequences and IP allowlisting. Every plan starts with a 14-day free trial and no credit card, which is long enough to import your ledger and run a full credit review cycle before you decide.
Related
Collections management software
The recovery side: assignment, follow-up logging and escalation.
Accounts receivable software
The full AR ledger — invoices, balances, aging and the audit trail.
Promise-to-pay tracking
How a payment commitment is recorded, monitored and flagged when broken.
Pricing
Plans from AED 145/month, with a 14-day free trial.
Know your exposure before it becomes a bad debt
Import your ledger, set your credit limits, and see who is over them — free for 14 days, no credit card.
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