Catch Problems You Won’t Find In Credit Files, With Smarter Credit Decisioning

We analyse financial statements so you know who 
can actually pay (not just who hasn’t defaulted yet!)

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Our reports and insights are trusted by…

The Problem

Credit checks tell you who’s defaulted before. They don’t tell you who’s about to.

Most credit decisions rely on trade payment data and defaults – a rear-view mirror. By the time a problem shows up in a credit file, the damage is already done.

But unlike suppliers, most customers won’t hand over their financials just because you asked nicely. So you need a partner who knows how to get the information – and what to do when you can’t

The Solution

See what a credit score won’t tell you.

Your bank would never approve a home loan based on a credit score alone. They analyse your full financial position to determine whether you can meet the repayments.

We apply the same standard to your customers – so you’re extending credit based on their actual capacity to pay.

Every year we analyse the verified financials of
50,000 private Australian companies

Trusted by large government organisations, major enterprises and global credit bureaus

How We Help

Credit Risk
Management

Outsourced credit analysis for your team. We assess the financial health of your customers – from high-volume trade credit applications to complex lending decisions.

Credit Policy 
Development

Credit policies and procedures tailored to your risk appetite, customer base and insurance requirements. Onboarding, decisioning, escalation, collections – documented and defensible.

Credit Risk 
Workshops

Training for credit teams on reading financial statements, assessing credit applications and spotting red flags. Practical sessions run by qualified accountants.

How It Works

When financials are available:

We analyse them – liquidity, leverage, profitability, trends. So you know where a company is heading, not just where it’s been.

When they’re not:

Not every credit decision needs a full financial review. For smaller exposures or new businesses, we verify the basics – registration, GST, web presence, address, credit history – so you can move forward with confidence.

Either way:

You get a clear credit recommendation and the reasoning behind it.

Built around you:

Works with your team or we can handle the entire function. Plugs into your systems or use ours.

Understand the companies you’re betting on

Ever felt like you were missing part of the risk puzzle?
You were right.

CFOs who want credit risk handled without the headache of managing a team, covering leave or dealing with volume spikes.

Credit managers who need experienced backup for complex assessments, overflow, or continuity when staff are away.

Trade credit teams extending payment terms to customers.

Financial services and lenders making lending decisions on private companies.

Contact CreditSource

Pre-qualified on government procurement panels across Australia