Credit Pulse + Growfin

Credit is more than approving a customer and revisiting terms once a year. Risk does not stop when a limit is set. It carries through the order-to-cash lifecycle, often showing up later as unpaid invoices, write-offs, and unpredictable cash flow.

In today’s volatile environment, finance teams cannot afford to manage credit risk and accounts receivable in silos. Decisions made upstream directly shape what happens downstream in AR, collections, liquidity, and forecasting.

That is why Credit Pulse partnered with Growfin. Together, we connect continuous credit intelligence with modern AR automation to create a unified order-to-cash experience. Credit Pulse delivers seamless onboarding and ongoing visibility into customer risk, while Growfin turns those insights into action across collections and cash application.

The result is greater liquidity, more predictable cash flow, and the ability to extend credit with confidence. Our goal is simple: help finance teams move from reactive collections to proactive risk management that protects cash and supports sustainable growth.

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Why This Partnership Matters Now

CFOs and finance leaders are under increasing pressure to protect liquidity, reduce DSO, and unlock working capital, without adding headcount.

At the same time, expectations across finance teams are rising:

• Credit teams are expected to extend terms confidently
• AR teams are expected to prioritize effort strategically
• Finance leaders are expected to forecast cash accurately in increasingly uncertain conditions

When credit decisions live in one system and collections execution lives in another, teams are forced into a reactive posture. Risk is discovered after invoices age. Collections efforts lack context. Cash surprises become routine. 

Together, Credit Pulse and Growfin are on a mission to close the gap.

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What Credit Pulse + Growfin Enable Together

Credit Pulse modernizes credit operations from application to monitoring. With digital applications, enriched credit reporting, predictive risk signals, and AI-powered workflows, our platform helps teams make smarter, faster decisions across the entire credit lifecycle.

Growfin serves as the system of AR action, executing collections, cash application, and follow-ups. By embedding our credit intelligence, teams experience a closed-loops workflow where risk signals turn insight into action automatically.

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1. Continuous, Real-Time Credit Risk Intelligence

Credit Pulse offers a seamless onboarding experience and continuous, real-time risk assessments for your entire portfolio. Powered by rich data and AI-powered workflows, our platform delivers the most accurate risk scoring on the market to determine the true health of any business.

Our risk scores are powered by rich data, blending multiple sources including:

• Credit bureau reporting
• Company details
• Legal filings
• Workforce trends
• Private and public company financials
• Financial statement analysis
• News and adverse media
• Web and social presence

This gives finance teams a living, dynamic view of customer risk, far beyond static credit scores.

When integrated with Growfin, those credit signals flow directly into AR workflows, allowing teams to identify at-risk accounts before invoices go past due, not after.

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2. Smarter, Risk-Aware Collections Prioritization

Growfin’s Agentic AI capabilities natively prioritize accounts for outreach based on cash flow impact, risk, and payment behavior. When powered by Credit Pulse’s dynamic credit risk signals, that prioritization becomes even sharper. AR teams can now personalize and sequence outreach based on aging buckets, dynamic account health scores, and the probability of payment.

This means Collectors can now spend more of their time where it matters most; i.e. improving productivity and accelerating cash conversion.

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3. Policy Enforcement Without Manual Overhead

Growfin’s intelligent automation simplifies follow-ups, dispute tracking and resolution, and cash application. Credit Pulse ensures credit limits, terms, and risk alerts are enforced at the right time. Together, this reduces manual triage and error-prone processes without removing humans from critical decisions.

This combination boosts operational efficiency while preserving the trust and context needed to maintain and elevate customer relationships.

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Real-World Use Cases

Use Case 1: High-Risk Accounts Surface Automatically

Scenario: A finance team at an F&B company wants to focus collections efforts on customers who are often overdue and have elevated risk profiles.

• Credit Pulse: Flag accounts with deteriorating signals identified in real time 
• Growfin: Elevate these accounts in the Collector’s daily workflow, triggering tailored, automated outreach sequences.

Impact: Higher likelihood of payment on time, lower exposure to bad debt, and faster resolution of problematic accounts.

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Use Case 2: Proactive Credit Limit Adjustments

Scenario: A mid-market manufacturing firm regularly extends credit terms to repeat customers. With shifting market conditions, risk profiles can change quickly.

• Credit Pulse: Continuously monitors customer risk and advises on limit adjustments
• Growfin: Enforce those limits and updates terms in the automated AR workflows

Impact: Risk is managed and mitigated proactively, reducing write-offs, and helping Sales teams make more confident decisions.

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Use Case 3: Improved Cash Application with Risk Context

Scenario: The AR team at a logistics and transportation company is hampered by lockdowns or delayed customer approvals often stall payments.

• Growfin: AI-led intelligent cash application ensures same-day matching and posting of incoming payments
• Credit Pulse: Risk signals ensure payments from recently-flagged accounts are prioritized differently, triggering alerts for follow-up; if required

Impact: Clearer cash visibility, faster lockbox reconciliation, and improved cash inflow forecasting.

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A Modern Approach for Order-to-Cash

The Credit Pulse and Growfin partnership goes beyond simple automation of manual tasks. It’s about changing how finance teams operate today.  

By connecting credit intelligence to AR execution, organizations gain:

• Continuity from credit decisioning through cash collection
• Faster resolution of disputes and payment delays
• Predictable cash flow forecasting
• Stronger customer relationships built on clarity and consistency
• Increased capacity for teams to focus on strategic initiatives

As automation becomes table stakes, differentiation will come from intelligence, integration, and actionability, not volume of tools.

• Greater continuity; from credit decisioning to cash collection
• Faster resolution of disputes and payment bottlenecks
• Predictable cash flow forecasting with AI guidance
• Stronger, more constructive customer relationships
• Enhanced team capacity bandwidth investment towards strategy

This partnership ensures finance teams are not just efficient, but resilient in the face of volatility.

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Learn More

To learn more about how Credit Pulse and Growfin can help you streamline your credit operations while increasing cash flow efficiency and revenue, schedule a demo with our team today.