RiskLedger

RiskLedger is a web app (with optional mobile companion) that helps small and mid-sized B2B sellers reduce credit losses by turning messy customer signals into a simple, auditable credit decision workflow. It pulls in accounting data (invoices, payment history, aging), basic firmographics, and bank-verified cashflow signals (when available) to recommend credit limits and payment terms. Instead of pretending to be a full credit bureau, it focuses on what most teams actually need: consistent decisions, early warning alerts, and a paper trail for auditors and lenders. It includes a lightweight “credit file” per customer, a terms approval queue, and automated reminders when risk rises (e.g., worsening DSO, repeated broken promises, shrinking balances). It’s realistic: if data is missing, it flags uncertainty rather than guessing, and it encourages smaller initial limits until trust is earned.