From one link to a pack you can hand a lawyer.

Five steps. Two of them are yours, one is your customer's, and the last one happens on its own.

Bring the paperwork you already have

Upload your credit application or terms of trade. Your payment terms, limits, interest, retention of title and guarantee requirements come back filled in, next to what the lawyer-reviewed wording says instead.

Significant difference

Your document does not reserve title until the goods are paid for.

Consider adopting the lawyer-reviewed retention of title clause.

Notable difference

Interest on overdue amounts is not mentioned.

The reviewed terms allow interest at your discretion, not automatically.

Minor difference

There is no notice period for claims once goods are delivered.

The reviewed terms use seven days from delivery.

What your document says, and what the reviewed one says instead. Never a conclusion about the law — that is your lawyer's job, and this is what you take to them.

You set the numbers — tiers, limits, 7, 14 or 30-day terms, whether a guarantee is required, which references to ask for. What you do not do is rewrite clauses, and that is the feature: since November 2023 the unfair-contract-term rules have covered standard-form contracts with small businesses, and the wording is exactly where that bites.

Send one link, and they apply

Your own address on the apply site, for your invoices, your website and your reps' phones. Your customer needs about five minutes and no account — if they are interrupted, they can have a link back by email.

Their ABN is checked against the register as they type, so a name that does not match the business surfaces on the page rather than a week later, and the trade references, the limit they want and what they expect to spend arrive in one piece instead of three emails.

Get a recommendation, not a score

Your rules run first, the same way every time. They are yours to change and they are written in your own words, so what comes back is your standard applied consistently rather than somebody else's model applied invisibly.

Stop and look: The ABN is not active on the register.
Ask for a guarantee: The business has been registered for less than a year.
Cap at $2,000: Registered less than six months ago, so start small.
Worth a question: The limit asked for is more than three months of expected spend.
Worth a question: Fewer than two trade references were given.
Refer: Anything over $20,000 gets a second look.

Yours to change, in your words, and the same for every application until you do.

Then it is written up: a risk band, a suggested limit and terms, and a reason for each in plain English. This is the step where AI does the work, and it is kept on a short lead — it only ever sees what your rules found, and every reason it gives has to point at one of them.

Elevated · Request more informationSuggested $5,000 on 30-day terms, with a guarantee.

Registered nine months ago, against the two years your policy treats as settled.
from the register
$15,000 asked for against $4,000 a month of expected spend.
from what they told you
Two references, neither going back more than four months.
from the application
The contact has not confirmed their email address.
from the form

A starting point, not an answer. Every line points at something in the application, so you can disagree with it on the facts.

You decide, and they sign

The recommendation pre-fills a form you can override completely — the limit, the terms, whether you want a guarantee, and a note to yourself about why. What you chose and what was suggested are both recorded, so “why did we give them twenty grand?” is answerable two years later.

What you are handed

a risk band and a suggested limit
a reason for each, in plain words
the fact behind every reason
an honest read on how clear-cut it is

What only you do

set the limit
take a guarantee, or don't
approve, decline, or ask
put your name to it

Nothing reaches your customer until you send it.

Then your customer signs. They see the whole agreement rather than a summary with a tickbox, we email a six-digit code to confirm it is them, and who has to sign is worked out from the kind of business they are rather than left to whoever happens to be filling in the form.

Sole trader: One signature, and no guarantee — you are already personally responsible, so a guarantee over your own debt is paperwork.
Partnership: One partner can bind the firm, and partners are personally responsible for its debts.
Company: Two officers. One, where the same person is sole director and secretary.
Corporate trustee: The same rule, and the document says it is contracting as trustee.
Individual trustees: Every trustee signs, and all of them are personally responsible.
Association: Two committee members, authorised under the association's own rules.

Where the facts are unknown it errs upward. An extra signature costs thirty seconds; a missing one costs the debt.

You are left holding one pack

Built the moment the last signature lands, and kept for seven years. It is the thing you send your lawyer, your insurer or the tribunal without having to reconstruct anything from an inbox.

The decision: Who made it, when, and what they were looking at when they did.
The application: Every field as submitted, with declared facts labelled as declared.
The checks: What was looked up, where, and when.
The consents: The exact wording that was on screen, in full rather than referred to.
The terms: The agreement itself, word for word, with its version on every page.
The signatures: Each signer, their capacity, and the time in both their clock and UTC.
The trail: Every step in order, sealed so that a later change to any of it shows.

One PDF, yours to download, and checkable without our software. A record you can only read inside somebody's product is a record they can hold over you.

Start with the next customer who asks.

It is priced per account opened, and your first month is free. For Australian suppliers of physical goods who sell on account.