Check and Decide

Smarter decisions. Faster sales. Fewer bottlenecks. 

Check & Decide does the heavy lifting so you don’t have to.  

Automate Decisions Now

This service is for business users only.

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Automated credit decisions

Picture this. A salesperson at your company identifies a new opportunity. It’s a high-value deal, but under your current process, they have to log a request with the credit team, send over documents, and wait for a manual review. Best case? A response in 24 hours. Worst case? Days of back and forth. 

With Check & Decide, the salesperson runs a quick check on the prospect using a decision tree template built with your credit rules. The result comes back instantly. Approved. The deal moves forward, and your team wins the business without delay. 

That’s not a hypothetical. That’s how real companies are using Check & Decide to speed up revenue, reduce admin, and create a competitive edge in their onboarding process. 

How can Creditsafe’s Check & Decide help your company?

  1. Eliminate manual checks 

Your sales team finds a promising lead, but before they can even get a quote out the door, the prospect has to be passed through multiple layers of approval. That lag kills momentum and holds back your revenue – Check & Decide supercharges your team.  

  1. Say goodbye to bottlenecks 

    Check & Decide lets you automate credit and compliance decisions using easy-to-build templates based on your company’s policies. Just select the checks you want to run, set your decision rules, and go live. It’s that simple. 

  1. No code. No delay. No drama.

    You don’t need to be technical to use Check & Decide. There’s no software to install, no developers to brief, and no long implementation cycles. Most customers are up and running in under three days. 

  1. Focus your credit team where it counts 

    Check & Decide is designed to automatically handle the majority of routine credit decisions with speed and accuracy. That allows your credit experts to focus their time on the more complex decisions that need a human touch. You scale without hiring more people, reduce errors and improve consistency across teams. 

  1. Complete visibility. Zero confusion.

    Every decision made through Check & Decide is logged and time stamped. You can see exactly who made a call, when it was made, and which rules were applied. There are no disputes, no confusion, and no need to dig through spreadsheets or email trails. 

  1. Built on Creditsafe’s world-class data

    All of this runs on Creditsafe’s trusted data platform. You’ll have access to real-time credit and risk insights on more than 430 million companies across 200 countries and territories, including industry-best credit data, payment trends, compliance violations and group structures.  

Get started with Check & Decide today.

Let automation take care of the checks so you can focus on the wins.

Your no-code decision automation solution.

Check & Decide uses templates that are built using metrics and rules that represent industry best practices. There's no coding required and templates are fast and easy for you to set up. Each Check & Decide template can be configured and changed according to your business needs.

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Who is Check & Decide for?

This is a game changer for any business that runs credit or compliance checks regularly:

  • Credit managers who want more control and less admin
  • Sales teams who are tired of delays and lost momentum
  • Finance teams looking for standardized, risk-aligned decisions 
  • Operations leaders aiming to streamline onboarding and reduce risk

If you’re still relying on spreadsheets, email chains, or inconsistent processes, Check & Decide is your way out.

Get started with Check & Decide today

Let automation take care of the checks so you can focus on the wins.

Frequently asked questions

Are There Security Risks with Automated Credit?

Like any technology that handles sensitive data, automated credit systems do come with certain security considerations. However, these systems are designed with robust security measures to mitigate risks and ensure that your data remains safe. For example:

  • Data Encryption: Information processed by automated systems is encrypted, ensuring that unauthorized users cannot access sensitive details.

  • Compliance with Regulations: Automated credit decisioning platforms comply with data protection regulations like GDPR (General Data Protection Regulation) or CCPA (California Consumer Privacy Act), ensuring that user data is handled properly and legally.

  • Access Control: Only authorized personnel can access the system, adding another layer of security to the decision-making process. 

By using trusted and compliant systems like Creditsafe's Check & Decide, you can ensure your credit data is secure and well-managed.

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Are Automated Credit Decisions Better?

Automated credit decisions can often be better than manual ones, as they remove the risk of human error and bias. Here's why:

  • Consistency: Automated systems apply the same decision-making rules across all credit applications, ensuring fairness and standardization.

  • Data-Driven: Automated credit decisions are based on up-to-date, reliable data from trusted sources, allowing for more accurate assessments of risk compared to subjective human judgment.

  • Reduced Errors: Automation minimizes the chances of oversight, miscalculation, or misunderstanding that can happen when decisions are made manually. 

While automated systems are highly accurate, they can also be customized to reflect your business’s unique credit risk criteria, making them just as effective (if not more) than manual decision-making processes.

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Does Automated Credit Decisioning Save Time?

Yes, automated credit decisioning saves significant time by streamlining the entire process:

  • Instant Decisions: Automated systems can process and evaluate credit applications in real-time, which eliminates the lengthy waiting periods often associated with manual reviews.

  • No Manual Entry: There’s no need for manual data entry or time-consuming paperwork, freeing up resources for other important tasks.

  • Increased Throughput: By automating the decision process, businesses can handle more applications simultaneously without compromising accuracy or quality, increasing overall productivity. 

For businesses that need to make quick, efficient decisions on credit applications, automation is a game-changer.

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What is the Credit Decisioning Process?

The credit decisioning process involves several steps, and when automated, it becomes a fast, efficient system that evaluates the risk associated with extending credit. Here's how it works:

  1. Application Submission: A customer or business submits a credit application with relevant financial details.

  2. Data Collection: The system pulls in data from various reliable sources like business credit reports, financial statements, and payment histories to assess the applicant’s creditworthiness.

  3. Rule Evaluation: Pre-set decision-making criteria (such as credit score thresholds, payment history, and outstanding debt) are applied to the data, evaluating the risk of extending credit.

  4. Decision Generation: Based on the evaluation, the system produces an instant decision: approve, deny, or refer for further review.

  5. Decision Notification: The applicant receives the outcome, often immediately, enabling them to proceed with their financial plans quickly.

Automating this process ensures that decisions are faster, more consistent, and based on accurate data.

Learn more.