As demand for their plant-based products surged, the finance team at Nowadays faced a challenge. They needed to move fast without losing control of credit quality. Manual applications and limited data on smaller retail partners was slowing their growth. Each delay risked lost revenue or a bad approval that could hurt the business. With Credit Pulse, they were able to build smarter, more robust profiles of mom & pop retailers to continue selling without the added risk.

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‍The Challenge: Growth Outpacing Credit Operations

As the business grew, credit decisions became harder to manage.

The pain points were clear:

• Manual applications slowed approvals and created inconsistency
• Limited data on small and private retailers made risk hard to assess
• Fragmented tools created confusion and rework
• Lack of visibility made it difficult to communicate with sales

Every new account meant extra risk and extra time. The team needed a better way to keep up with growth while maintaining control.

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The Solution: Building a Modern Credit Engine

Nowadays partnered with Credit Pulse to modernize their credit process and support their growth strategy.

Digital Credit Application

The first order of business was replacing manual, paper-based applications with a fully digital workflow. Sales teams can now send a link, customers apply online, and approvals move automatically to the right people.

Enhanced Credit Insights

Credit Pulse delivered visibility into small and private retailers that traditional bureaus miss. With richer data and predictive analytics, the finance team could approve more good customers with confidence.

Continuous Monitoring

Credit Pulse keeps watch after approval. The team now receives alerts on payment changes, leadership exits, or negative media so they can act early when risk appears.

The Result: Speed & Confidence at Scale

With Credit Pulse, Nowadays built a scalable credit operation that supports growth instead of slowing it.

• 50% faster onboarding through a digital application
• Real-time monitoring across small and private accounts
• Predictive insights that flag early risk and new opportunities
• Clear portfolio reports for leadership and sales teams

Nowadays now runs on a single system that supports fast approvals, proactive monitoring, and smarter decisions.

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The Takeaway

Nowadays shows what happens when a growing company modernizes credit before problems pile up. By digitizing applications, enriching data, and automating monitoring, they built a process that protects revenue and accelerates growth.

If your credit team is still juggling spreadsheets, emails, and guesswork, it might be time to modernize.

Credit Pulse helps finance teams:

• Digitize onboarding with smart applications
• Gain deeper visibility into hard-to-see accounts
• Monitor credit health in real time
• Approve with confidence and speed