The Missing Infrastructure for Business Credit
Every business invoice is a mini-loan. The B2B credit market is larger than consumer credit, yet completely untracked. We're building the infrastructure to change that.
The Scale of the Opportunity
The business-to-business credit market dwarfs consumer credit, yet remains largely invisible and untracked.
The Credit Infrastructure Gap
Consumer Credit (Mature)
Business Credit (Broken)
New B2B Fintech: Missing the Registry
B2B BNPL
Resolve, Fundbox, Melio
Focus: Payment facilitation, not credit reporting
Invoice Factoring
BlueVine, Kabbage, OnDeck
Focus: Lending, not payment behavior tracking
Collections
Traditional agencies
Focus: Recovery, not prevention or credit impact
The Invisible Crisis
Despite being larger than consumer credit, business credit remains largely untracked and unmanaged.
Every Invoice is an Unsecured Loan
When a business issues an invoice with payment terms (Net 30, Net 60), they're essentially extending unsecured credit. The buyer receives goods or services immediately but pays later - this is functionally identical to a loan.
Example: A $10,000 invoice with Net 30 terms is equivalent to a 30-day, $10,000 unsecured business loan at 0% interest.
The Visibility Problem
Unlike consumer credit, business payment behavior is largely invisible. When a business pays invoices late or defaults entirely, this information rarely makes it to credit bureaus or becomes available to other creditors.
Current State
- • Payment behavior stays private
- • Bad actors face no consequences
- • Creditors make blind decisions
- • No systematic tracking
With Credote
- • Payment behavior becomes visible
- • Late payers face credit consequences
- • Data-driven credit decisions
- • Comprehensive payment tracking
The Cash Flow Crisis
Late payments aren't just an inconvenience - they're a business killer. The lack of payment accountability creates a vicious cycle that destroys small businesses across America.
"Holy Sh*t" Reality Check
1 in 3 small businesses fail due to cash flow problems caused by late payments
Source: U.S. Bank Study of Small Business Failures
How Credote Solves This
We're building the infrastructure to make business payment behavior visible, trackable, and actionable.
Invoice & Payment Tracking
Creditors report unpaid invoices to Credote. We track payment behavior, late payments, and defaults to build comprehensive payment profiles for every business.
Credit Scoring & Reporting
We generate credit scores and detailed reports based on actual payment behavior, giving lenders and suppliers the data they need to make informed decisions.
Default Registry & Consequences
Unpaid invoices become public defaults after 30 days, creating real consequences for non-payment and incentivizing businesses to pay on time.
The Credote Flywheel: Network Effects at Scale
More filings → Creditors report unpaid invoices to Credote
Better scores → More data creates more accurate credit profiles
More pressure → Public defaults create real consequences
Faster payments → Businesses pay to avoid credit damage
More usage → Success drives adoption across industries
Multi-Channel Distribution
Making business credit data accessible everywhere it's needed.
Direct Access
Business Integration
Why Now?
Multiple trends are converging to make this the perfect time to build business credit infrastructure.
Digital Transformation
Businesses are digitizing their operations, making payment data more accessible and trackable than ever before. APIs and integrations enable real-time data collection at scale.
Fintech Explosion
The rise of alternative lending, embedded finance, and B2B fintech creates massive demand for business credit data. These platforms need reliable ways to assess business creditworthiness.
Cash Flow Crisis
Late payments are getting worse. The average invoice is paid 28 days late, and 64% of businesses report cash flow problems due to late payments. There's urgent need for accountability.
Regulatory Support
Government initiatives like the Prompt Payment Act and increasing focus on SMB support create a favorable regulatory environment for business credit transparency.
Building the Future of Business Credit
Credote is creating the foundational infrastructure that will power the next generation of B2B commerce. By making payment behavior visible and consequences real, we're building a more trustworthy, efficient business ecosystem.
Our Mission
To create a world where every business payment behavior is tracked, every credit decision is data-driven, and getting paid on time is the norm, not the exception.