ChargeBacker

ChargeBacker is a web app (with optional mobile companion) that helps SMB lenders, B2B sellers, and factoring firms reduce credit losses by monitoring early warning signals across their customer portfolio. It connects to accounting/ERP data (e.g., invoices, payment history, credit memos), bank transaction feeds, and email/CRM notes to flag deteriorating behavior: slower pay, partial payments, dispute spikes, sudden order surges, or concentration risk. The app turns messy operational data into a simple risk queue: who to call today, what changed, and what action to take (tighten terms, pause shipments, request deposits, or escalate). It also produces audit-friendly notes and a lightweight risk policy checklist so teams stay consistent. This is not a replacement for credit bureaus; it’s a practical layer that catches problems earlier using the data businesses already have.