%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
Business credit scoresLast updated: 01 Sep 2026
credit risk manager
Manage your credit risks and reduce late payments
Credit risk manager shows you the credit risk behind every invoice you send, so you can catch late payment risk before it hits your cash flow.
Just connect with Xero, QuickBooks or Sage to see your customer invoices and debtor risks, all in one place.
See which invoices are most at risk of late payment
Identify threats to your cash flow
Know which customer invoices to prioritise
What is credit risk manager?
If you offer credit to a customer, there is always a risk that they may not pay their invoice on time, leaving you short changed. Knowing which customers to start chasing for payment and when is a fine balance and could be the difference between making your numbers or missing them. Credit risk manager gives you the ability to prevent threats to your cash flow by managing your credit risks, all in one place.
When you connect your cloud accounting software to your Capitalise profile, you’ll see your customer invoices, next to their credit risks, so you know which invoices you need to prioritise chasing to ensure you get paid.
And with real time alerts, you’ll get notified instantly of any changes to a company’s credit profile, meaning you can act earlier, while maintaining your client relationships.
Why manage your credit risks with Capitalise?
Get your invoices and credit risk in one place
Sync Xero, QuickBooks or Sage in a few clicks, so your contacts and outstanding invoices pull through automatically, no flipping between platforms, no manual entry needed.
Know who's low risk to extend credit to
See every outstanding invoice next to that customer's credit score, risk band and suggested credit limit, so you know at a glance who's low or high risk.
Act before a risk becomes a late payment
Get alerted the moment a customer's credit profile changes, a new County Court Judgment, a declining score or a shift in payment performance, while there's still time to do something about it.
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
Effective credit control for your business
Credit control gets easier when everything is in one place. Sync your contacts from Xero, QuickBooks or Sage with Capitalise, and see your invoices and credit risks side by side. You’ll always know who owes you money and who could be at risk of late payment.
Intelligent insights help you decide who to chase, who you can safely give more credit to, and who needs a closer look. So your credit control is based on up-to-date information, not guesswork.
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
Intelligent insights to reduce threats to your cash flow
A late invoice is a nasty surprise, and it can take a real toll on your cash flow and your bottom line. Wouldn't it help to know a customer is likely to pay late, before it happens?
Spotting early warning signs, like declining payment performance or a registered CCJ, next to a customer's invoices shows you exactly where the threats to your cash flow sit. Their suggested credit limit, alongside what they currently owe you, also tells you instantly if you're overextending credit and need to act.
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
Know which customer invoices you need to prioritise
If you work with multiple companies, it's essential to know how to focus your credit control efforts. But spending time switching between platforms to manage your invoices and credit risks, means you’re not spending time on other valuable areas of your business.
Credit Risk Manager allows you to manage your credit terms effectively. Viewing your credit risks, next to all of your outstanding invoices means you’ll instantly know which invoices are most at risk and which debtors to prioritise chasing.
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
Real-time alerts to manage credit risks quickly
Being aware of cash flow threats too late can leave you scrambling to find solutions. By the time you notice a large customer is a risk, it might be too late to find an amicable solution.
With real-time alerts, we’ll let you know instantly of any changes to a customer’s credit profile, so you can act quickly.
How much does credit risk manager cost?
Signing up to Capitalise is free, to access Credit Risk Manager, you'll need one of our paid plans.
Plan | Monthly price | Customers you can monitor |
|---|---|---|
Free | Not included | Not included |
Startup | £19.95 | Up to 3 |
Pro | £24.95 | Up to 10 |
Enterprise | £59.95 | Up to 100 |
Our plans are flexible and free to cancel any time. Credit Bundles let you monitor companies more without upgrading your whole plan. See our plans page for the full breakdown.
See what else you can do with capitalise for business
Check out these other features
- Check your credit score
Check your credit score
View your full Experian business credit score and the factors impacting it.
- Credit check your customers
Credit Check Your Customers
Reduce risk to your business by running company credit checks on customers, suppliers and competitors
- Find funding
FIND AFFORDABLE BUSINESS FINANCE
Get matched with the right lenders for your business with a single search.
Supercharge your credit control with Capitalise
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)
%3Aquality(80)%3Afill(transparent)&w=3840&q=75)