Business Credit Without Borders
The world is more connected than ever. COVID-19 accelerated global remote work and cross-border commerce. Now businesses everywhere need reliable ways to assess international partners and collect payments across borders.
The Global Business Revolution
COVID-19 didn't just change how we work - it fundamentally transformed how businesses operate across borders.
The COVID-19 Acceleration Effect
Pre-2020 Business Model
Post-2020 Reality
The Cross-Border Credit Challenge
Global business growth has outpaced the infrastructure needed to support it safely and efficiently.
The Geography Problem
When you hire a developer in Eastern Europe, a designer in South America, or a marketing agency in Asia, how do you assess their payment reliability? Traditional credit bureaus are limited to their home countries.
Reality Check: A US company hiring a Ukrainian development team has no visibility into that team's payment history with other clients worldwide.
The Trust Gap
International business relationships often start with zero trust data. You're extending credit to companies you've never met, in countries with different legal systems, with no way to verify their payment behavior.
Current Challenges
- • No cross-border credit visibility
- • Different legal jurisdictions
- • Language and cultural barriers
- • No standardized payment tracking
- • Limited recourse for non-payment
With Global Credit Data
- • Universal payment visibility
- • Standardized credit scoring
- • Multi-language platform
- • Global payment tracking
- • International reputation system
The Collection Challenge
When an international client doesn't pay, what are your options? Legal action across borders is expensive and complex. Traditional collection agencies often don't operate internationally. You need leverage that works globally.
Global Credit Infrastructure
Credote creates a universal business credit system that works across all countries, currencies, and legal systems.
Universal Credit Reporting
Businesses from any country can report unpaid invoices and check payment histories. Our global database tracks payment behavior regardless of geography.
Cross-Border Reputation System
A company's payment behavior with clients in Germany affects their credit score when working with new clients in Japan. Global reputation creates global accountability.
International Collection Leverage
Public defaults and credit damage work globally. A business that doesn't pay suppliers in one country faces reputation consequences worldwide.
Global Network Effects
Businesses worldwide report payment data
Universal credit profiles for all companies
Better cross-border business decisions
Reduced international payment risk
Faster global business growth
Daily Business Risk, Real Solutions
These aren't future scenarios - they're happening right now, every day, across global business networks.
UK Supplier → Filipino Buyer
Manufacturing & Export
"Before shipping $50K in machinery parts to Manila, I check their Credote score. Shows two defaults in the last 6 months. I require 50% upfront instead of Net 30."
— Sarah M., UK Manufacturing
Indian SaaS → US Enterprise
Software & Services
"A Fortune 500 company wants our enterprise plan. Credote shows they defaulted on two vendors in the last 12 months. We require annual prepayment."
— Raj P., Mumbai SaaS Founder
🇧🇷 Brazilian Agency → 🇩🇪 German Client
Marketing agency checks payment history before taking on €25K campaign. Discovers client has 3 unpaid invoices to other agencies.
Result: Required 75% upfront, avoided default
🇰🇷 Korean Marketplace → 🇲🇽 Mexican Seller
E-commerce platform verifies new seller's payment reliability. Clean Credote score leads to immediate approval and lower fees.
Result: Faster onboarding, reduced platform risk
🇨🇦 Canadian Distributor → 🇯🇵 Japanese Supplier
Distributor needs 90-day payment terms. Credote score shows perfect payment history across 47 international transactions.
Result: Approved for extended terms, stronger partnership
Why Legacy Credit Bureaus Can't Solve This
D&B and traditional bureaus were built for a different era. Here's why they can't serve the global SMB market.
The Infrastructure Comparison
| Feature | D&B / Legacy Bureaus | Credote |
|---|---|---|
| Real-time Default Reporting | ❌ Months of delay | ✅ Instant filing |
| Open to SMBs | ❌ $500+ per report | ✅ Affordable for all |
| Public Default Registry | ❌ Private, paywalled | ✅ Transparent, searchable |
| Cross-Border Visibility | ❌ Country-specific | ✅ Global network |
| Web-First Architecture | ❌ Legacy systems | ✅ Built for integration |
| Neutral / Open Infrastructure | ❌ Closed ecosystem | ✅ Open, network-owned |
The Hidden Risk: Currency + Credit Exposure
In global trade, credit risk is often the unhedged exposure. You might hedge FX risk, but if your counterparty defaults, currency hedging becomes irrelevant.
Traditional Approach
- • Hedge FX risk with forwards/options
- • Extend credit terms blindly
- • No visibility into payment behavior
- • Credit risk remains unmanaged
With Credote Intelligence
- • Hedge FX risk as usual
- • Assess credit risk with global data
- • Adjust terms based on payment history
- • Manage total counterparty exposure
Who Credote Serves
From exporters to marketplaces to lenders - Credote powers safer global commerce for everyone.
Exporters & Suppliers
Verify international buyers before shipping. Avoid non-paying customers and adjust terms based on payment history.
Marketplaces & Platforms
Verify sellers and buyers during onboarding. Reduce platform risk and improve trust between participants.
SMBs & Service Providers
Report unpaid invoices to protect your credit reputation. Check clients before taking on large projects.
Lenders & Financial Services
Integrate Credote scores into underwriting. Access real-time payment behavior data for better lending decisions.
Insurance & Risk Management
Assess trade credit insurance risks. Price policies based on actual payment behavior data.
Developers & Integrators
Build credit intelligence into your applications. Access global business credit data for your solutions.
Protect Your Business. Build Global Trust.
Join the global business credit registry. Every international business relationship starts with a leap of faith - make it a calculated decision instead.
Start Today
File defaults instantly. Verify payment history globally. Protect your business reputation.