The 6 Best Credit Management Software for Enterprise in 2025

Enterprise finance teams are under pressure. Margins are tight, customers pay late, and bad debt is always lurking in the background. Without the right systems in place, even strong businesses can see their cash flow stall.

That’s why more enterprises are turning to modern credit management software. These tools give you real-time insights into risk, automate collection processes, and make sure your credit policies are consistently applied.

In this guide, we’ll walk you through the six best credit management software solutions for enterprises in 2025—and how to choose the one that’s right for you.

What Is Credit Management Software?

At its core, credit management software helps you control how and when your customers pay you. Instead of juggling spreadsheets, emails, and manual intervention, you get a single platform that manages credit limits, monitors customer solvency, and automates key parts of your accounts receivable processes.

For enterprises, this is about more than chasing overdue invoices. Credit management software protects your company’s cash flow by identifying risk early, enforcing consistent credit policies, and streamlining the entire collection process. That means fewer bad debts, faster dispute resolution, and stronger customer relationships.

Modern platforms also go beyond basic debt collection. With features like real time insights, predictive analytics, and machine learning, they help you understand customer behavior and forecast future risks. Finance leaders can use these tools to improve cash flow forecasting, reduce days sales outstanding, and keep the business financially stable, even in tough market conditions.

In short, credit management software is a critical part of cash flow management for enterprises in 2025. It simplifies collections while giving you the control, visibility, and automation to protect your enterprise’s financial health.

The 6 Best Credit Management Software for Enterprises in 2025

Choosing the right credit management platform can transform how your finance team operates. The best software goes beyond simply managing outstanding payments—it helps you enforce credit policies, streamline dispute management, and protect your company’s cash flow.

Here are the six best credit management platforms for enterprises in 2025.

1. Esker

Esker offers a robust accounts receivable solution designed to help enterprises simplify credit processes and strengthen risk management. Its credit management module integrates seamlessly into the wider order-to-cash workflow, giving credit managers full visibility into customer creditworthiness, payment history, and financial information.

By reducing manual intervention and automating credit assessments, Esker helps enterprises improve operational efficiency while maintaining strong commercial relationships. It also supports proactive credit management by enabling finance teams to make faster, data-driven decisions that reduce bad debt and improve cash flow management.

Key features:

• Automated credit approval workflows and credit limits management
• Centralised access to customer data, financial statements, and payment history
• Integration with ERP and CRM systems to reduce manual tasks
• Advanced reporting and dashboards for real time insights
• Tools for monitoring customer solvency and financial stability

G2 rating: 4.4*

2. Serrala

Serrala positions itself as a complete receivables management solution, with credit risk management at its core. The platform enables enterprises to perform thorough risk assessment on new and existing customers, using both internal and external data to guide credit decisions. By embedding credit checks directly into accounts receivable processes, Serrala reduces days sales outstanding and helps enterprises maintain steady cash flow.

One of Serrala’s strengths is its focus on dispute resolution and dispute management, giving finance teams tools to quickly address issues that can delay payments. It also offers cash flow forecasting capabilities, helping enterprises plan ahead and avoid liquidity bottlenecks.

Key features:

• Automated risk assessment and customer creditworthiness checks
• Dispute resolution workflows to accelerate the collection process
• Credit limit monitoring with alerts for overdue invoices or late payments
• Advanced analytics for credit processes and financial health tracking
• Integration capabilities with leading ERP and financial workflows

G2 rating: 4.2*

3. HighRadius

HighRadius is one of the most widely adopted credit management software solutions for enterprises, offering an AI-powered platform designed to reduce days sales outstanding and improve cash flow. Its credit management tools are part of a broader autonomous receivables suite, covering everything from credit risk management to cash application.

HighRadius stands out for its use of artificial intelligence and predictive analytics. These capabilities allow credit managers to spot customer behavior trends, anticipate overdue invoices, and enforce credit policies with minimal manual intervention. The result is faster collections, stronger cash flow forecasting, and greater financial stability.

Key features:

• AI-powered risk assessment and credit scoring
• Real time insights into customer solvency and payment history
• Automated workflows to reduce manual tasks in credit processes
• Integration with ERP and CRM systems for seamless accounts receivable management
• Predictive analytics for dispute management and cash flow forecasting

G2 rating: 4.3*

4. Gaviti

Gaviti specialises in automating the entire collection process, making it easier for enterprises to manage accounts receivable and accelerate cash collection. Its credit management module is designed to give finance teams visibility into outstanding payments, customer risk, and potential bad debt.

What makes Gaviti appealing is its focus on proactive credit management. Automated reminders, a self-service customer portal, and clear dashboards reduce the need for manual intervention while helping businesses strengthen customer relationships. This combination of automation and transparency makes it easier to protect a company’s cash flow as the business grows.

Key features:

• Automated collection process with custom workflows
• Customer portal for visibility into payment terms and outstanding invoices
• Real time data dashboards for monitoring financial health
• Automatic reminders to reduce late payments and overdue invoices
• Advanced analytics for customer risk management and team performance tracking

G2 rating: 4.4*

5. Kolleno

Kolleno brings together all-in-one credit management and debt collection software designed for enterprises that want to reduce days sales outstanding while improving operational efficiency. The platform combines AI tools, automation capabilities, and real time insights to give finance teams complete control over accounts receivable processes.

Unlike many traditional software solutions, Kolleno places a strong focus on customer experience. Its platform includes tailored communication workflows, a customer portal, and advanced analytics to support better dispute resolution and stronger business relationships. With its high G2 rating, Kolleno is recognised as a leader in helping enterprises protect cash flow and reduce bad debt.

Key features:

• AI-powered workflows for debt collection and dispute management
• Customer portal for transparency on invoicing processes and payment terms
• Real time insights and predictive analytics to support cash flow forecasting
• Automated communications to reduce manual intervention and late payments
• Integration capabilities with leading ERP, CRM systems, and financial workflows

G2 rating: 4.9*

6. Quadient AR Automation

Quadient AR Automation offers enterprises a credit assessment and receivables management platform that streamlines risk management and improves financial stability. Its credit management solution helps finance teams evaluate customer solvency, track payment history, and enforce credit policies consistently.

The software is particularly strong in integration capabilities, making it easy to connect with existing ERP and accounts receivable systems. With advanced analytics and machine learning, Quadient provides real time insights into customer behavior, helping businesses reduce bad debt and improve cash flow management.

Key features:

• Automated credit assessment and credit limit management
• Integration with ERP and CRM systems for seamless accounts receivable processes
• Predictive analytics and machine learning to monitor customer behavior
• Dashboards with real time data for risk assessment and dispute management
• Tools to streamline the collection process and reduce overdue invoices

G2 rating: 4.4*

Why Kolleno Is the Leading Credit Management Software

Among the solutions we’ve reviewed above, Kolleno stands out as the most complete and user-friendly option for enterprises. With a 4.9* G2 rating, it’s by far and away the highest-rated tool on this list.

What makes Kolleno different is its focus on both automation and customer experience. Traditional credit processes often rely on heavy manual intervention, which slows down cash collection and damages commercial relationships. Kolleno changes this with AI-powered workflows, automated communications, and a customer portal that improves transparency. Your customers know exactly where they stand on payment terms, while your finance team spends less time chasing overdue invoices and more time on strategic tasks.

Kolleno also goes beyond basic receivables management. The platform provides real time insights and predictive analytics, helping you understand customer behavior, forecast future risks, and keep days sales outstanding under control. Finance leaders can see the bigger picture: the impact of credit policies on financial health, the likelihood of bad debt, and the steps needed to strengthen operational efficiency. These are essential features for any enterprise that wants to safeguard financial stability while continuing to grow.

Finally, Kolleno integrates seamlessly with leading ERP and CRM systems, ensuring your accounts receivable processes fit smoothly into existing financial workflows. With its mix of advanced analytics, automation capabilities, and customer-focused design, Kolleno is the leading credit management software currently on the market.

Final Thoughts

Credit management is about more than simply chasing payments—it’s about protecting your company’s cash flow, reducing bad debt, and giving your finance team the tools to work smarter. Therefore, it’s vital to choose the right credit management software for your enterprise.

Each of the six platforms we’ve covered brings unique strengths. Esker and Serrala are excellent for embedding credit risk management into wider financial workflows. HighRadius and Quadient shine with their use of predictive analytics and AI-powered decision-making. Gaviti stands out for its proactive credit management features and customer portal. However, Kolleno leads the pack by combining all of these capabilities into one highly rated, easy-to-use platform.Ready to see how Kolleno can transform your credit management? Book a demo today.