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SPECIFICTION
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SCREDIT

efilostech.com

From $62.50/mo WebiOSAndroid
Visit efilostech.com
Spec score 7.2 #17 of 26 in Credit Management Software

What it is

SCREDIT is a platform for B2B finance and credit teams managing customer onboarding, credit decisions, financial risk, collections, and portfolio exposure. Its workflow links digital applications and underwriting with bureau intelligence, approvals, portfolio analytics, accounts-receivable visibility, and collections execution. Applications collect documents, e-signatures, and trade references for approval-ready profiles; construction workflows also track job-level exposure, retainage, lien deadlines, and bond status. Connectors cover ERP, accounting, CRM, bureaus, and other services. SCREDIT leaves invoicing, terms, due dates, and cash application in the ERP, while returning credit decisions and approved limits. Every plan includes SCONNECT, where customers can apply, upload documents, view invoices and statements, pay, and access executed agreements. It runs on Android, iOS, and web. EFILOS says its third-party SOC 2 audit is not yet complete.

Spec sheet

Purpose
SCREDIT helps finance and credit teams manage customer onboarding, automated credit decisions, financial-risk analysis, collections, and portfolio exposure.Read 30 Sep 2026 · efilostech.com
Integrations
Purpose-built connectors cover SAP, NetSuite, Dynamics 365, QuickBooks Online, Salesforce, eight commercial bureaus, Plaid, Middesk, Persona, Avalara, Stripe, Levelset, NCS, and Handle.Read 30 Sep 2026 · efilostech.com
Headquarters
Dallas, Texas, United StatesRead 23 Sep 2026 · efilostech.com
Applications
Digital credit applications support document collection, e-signature, trade references, and approval-ready customer profiles.Read 30 Sep 2026 · efilostech.com
Compliance status
Security controls are designed around SOC 2 principles, but EFILOS states that its third-party SOC 2 audit is not yet complete.Read 30 Sep 2026 · efilostech.com
Construction credit
Construction workflows track job-level exposure, retainage, lien deadlines, bond status, and project-specific risk.Read 30 Sep 2026 · efilostech.com
Core workflow
The platform combines onboarding, underwriting, bureau intelligence, approvals, portfolio analytics, accounts-receivable visibility, and collections execution.Read 30 Sep 2026 · efilostech.com
Customer portal
SCONNECT is included in every plan and lets customers submit applications, upload documents, view invoices and statements, make payments, and access executed agreements.Read 30 Sep 2026 · efilostech.com
Data ownership
The customer organization remains the owner of customer, financial, and workflow data submitted into SCREDIT.Read 30 Sep 2026 · efilostech.com
ERP role
SCREDIT keeps the ERP as the system of record for invoicing, terms, due dates, and cash application, while sending credit decisions and approved limits back.Read 30 Sep 2026 · efilostech.com
Security architecture
SCREDIT uses schema-per-tenant isolation, role-based access control, least-privilege runtime controls, encryption, monitoring, and audited administrative workflows.Read 30 Sep 2026 · efilostech.com
Support and implementation
Starter includes email support, Scale includes priority support, and implementation is scoped in weeks rather than quarters.Read 30 Sep 2026 · efilostech
Target users
SCREDIT is built for B2B teams handling 50 or more credit applications per month, including manufacturing, wholesale distribution, industrial distribution, construction supply, and FMCG/CPG.Read 30 Sep 2026 · efilostech.com

Plans and prices

Starter $750 a year annually 25–60 applications/month · digital applications · weighted scorecards · core AR views · watchlists · SCONNECT portal · email support Read 30 Sep 2026 · efilostech.com
Growth $2,000 a year annually Everything in Starter · approval routing · bureau integrations · collections queues · promise-to-pay · disputes workflow Read 30 Sep 2026 · efilostech.com
Scale $4,500 a year annually Everything in Growth · multi-entity · multi-currency · construction credit · concentration-risk monitoring · priority support Read 30 Sep 2026 · efilostech.com
Custom Priced on request Everything in Scale · board and CFO views · custom integrations · data migration · dedicated environments · security review support Read 30 Sep 2026 · efilostech.com

Every SCREDIT plan and price →

Strong points and limits

Strong points

  • Supports application, review, scoring, and credit-limit workflows
  • Tracks exposure and portfolio risk
  • Includes SCONNECT customer portal in every plan
  • Connectors include SAP, NetSuite, Salesforce, and bureaus
  • Runs on Android, iOS, and web

Limits

  • No free plan
  • Third-party SOC 2 audit is incomplete
  • Starter begins at $750 a year, billed annually

Who it suits

SCREDIT is aimed at B2B teams handling 50 or more credit applications monthly, including manufacturing, distribution, construction supply, and FMCG/CPG. It suits teams that need credit workflows alongside ERP and accounts-receivable visibility.

Verdict

SCREDIT brings credit decisions, collections, and exposure monitoring into one workflow while leaving core invoicing and cash application in the ERP. Buyers should account for annual plan pricing and the unfinished third-party SOC 2 audit.

Where Specifiction places it

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