Credit lines
Document the credit provider, credit recipient, credit amount, current status, usage terms, and lifecycle changes.
Credit operations workspace
Track business credit relationships with evidence, usage terms, and accountable records.
Credit Reaper helps companies manage credit lines between brands, stores, vendors, and service providers with balances, transactions, evidence, access, activity, and reports.
From operating records to reports
One connected trail from the company record to accountable reporting.
Step 1 ยท CompanyAurora Trade Group
The company record anchors the credit relationship.
Balance$128.4kAfter the $21.6k transaction
Evidence2 attachmentsInvoice and advertising-board photo
ReportsAging + exposureReady for accountable review
- 1. Company: Aurora Trade Group. The company record anchors the credit relationship.
- 2. Entity: Brand A and Store 18. The brand and store branch from the company before the credit line connects them.
- 3. Credit line: $150k promotional allowance. A single allowance connects the participating entities with accountable terms.
- 4. Transaction: $21.6k applied. The applied transaction updates the available balance.
- 5. Evidence: Invoice and advertising-board photo attached. Supporting evidence stays tied to the transaction and credit record.
- 6. Reports: Aging and exposure. The completed trail feeds balance, aging, and exposure reporting.
Built for connected operators
- Brands
- Stores
- Vendors
- Processing centers
- Advertising boards
- Multi-location operators
- Service providers
The problem
Informal credit gets lost in the wrong systems.
Texts, spreadsheets, invoices, and verbal agreements do not give operators one reliable place to understand what was offered, available, used, disputed, and documented.
A shared source of truth for credit relationships
Credit Reaper gives finance and operations teams a structured workspace for active credit lines, balance movement, transaction context, and audit-backed activity.
- Know which entity provides credit and which entity can use it.
- Track balances without losing the transaction trail.
- Scope access for assigned brand, store, or vendor users.
Core features
Built around credit lines, balances, and operational context.
Credit Reaper focuses on the practical records teams need before layering in broader integrations or advanced messaging.
Service-managed balances
Track balances as operational events happen without relying on a disconnected spreadsheet total.
Transactions
Record usage, adjustments, reversals, and reconciliation events tied to each credit agreement.
Audit-backed activity
Keep a timeline of meaningful changes so teams can see what changed, when, and why.
Internal and shared notes
Attach context to credit lines and transactions while keeping note visibility scoped to the workspace.
Reports
Review available balances, exposure by entity, recent changes, and summary cards backed by API data.
Entity-scoped access
Give brand, store, vendor, or processing-center users access to the credit data they are allowed to see.
In-app notifications
Notification inbox updates, request activity, and audit history help teams see what needs attention. Email reminders and message-log workflows remain planned enhancements.
How it works
A simple workflow for credit tracking.
Start with the real entities in your business, then let activity and reports build from those records.
- Add your company and entities.
- Create credit lines between those entities.
- Track transactions and service-managed balances.
- Add notes and supporting context.
- Review reports and recent activity.
Solutions
For businesses with more than one credit relationship to control.
Credit Reaper is shaped for operators who need entity-level clarity without forcing every user into company-wide visibility.
Brands
Track product credits, promotional allowances, rebates, and advertising credits provided to stores, vendors, service providers, and operating partners.
Stores
Track usable product credits, promotional allowances, damaged-item credits, disputed lines, and credit activity with clear supporting notes.
Vendors
Maintain visibility into balances, commitments, and recently changed credit relationships by customer entity.
Advertising boards
Keep service credit, usage, and balance movement tied to the correct entity and credit line.
Processing centers
Separate operational entities while still giving company owners and admins company-wide reporting.
Service providers
Document informal arrangements with the same activity history and note discipline as formal accounts.
BrandsStoresVendorsAdvertising boards
Track product credits, promotional allowances, rebates, and advertising credits provided to stores, vendors, processors, and service providers.
Understand usable product credits, promotional allowances, damaged-item credits, disputed balances, and credit activity by relationship.
Keep customer credit arrangements, recent changes, and notes visible without sharing company-wide data.
Reporting and visibility
See aging balances, exposure, and recent changes without rebuilding totals.
Dashboard cards and report views are backed by real API data and respect the current user's company and entity scope.
Aging balancesCurrent, 31-60, 61-90, and over-90-day buckets.
Exposure by entityCredit provided and usable credit across allowed entities.
Recent activityAudit events and recently changed credit lines.
Aging balancesReport
store-userassigned entities
Scoped user view
Assigned users see credit lines, notes, activity, and reports tied to the entities they can access.
- Store 18
- Brand A credit
- Recent activity only for allowed records
Scoped access
Assigned users see only the records tied to their entities.
Owners and admins can work company-wide. Brand, store, vendor, and other assigned users see credit lines, activity, notes, and reports for their permitted entities.
Communication workflow
Collaboration starts with notes, notifications, and activity history.
Credit Reaper supports internal/shared notes, transaction-linked notes, request notifications, and an audit timeline. Email reminders and message-log workflows stay clearly labeled until they ship.
Currently available
- Internal and shared notes
- Transaction-linked notes
- Request and access notifications
- Audit-backed activity timeline
Planned later
- Email, usage, and renewal reminders
- Subscription reminders
- Message logs and chats
Evidence workflowDocuments, notes, and activity stay tied to the credit record.
Teams can review the transaction trail, supporting documents, and notification history without switching to a separate spreadsheet or folder.
Credit Reaper
Start tracking credit with a cleaner system of record.
Sign up to create a workspace, or contact us to discuss a supported rollout.