B2B debt collection software for commercial and SME lending
Manage overdue business loans with a clearer view of the borrower relationship. C&R Software’s Debt Manager helps banks and commercial lenders configure treatment strategies by lending product, automate account routing, and coordinate recovery across commercial and SME portfolios.
Business debt needs a relationship-level approach
A missed payment on one facility may be part of a much larger borrowing relationship. Before deciding how to respond, collectors need to understand the business, its other facilities, the people backing its obligations, and the lender’s wider exposure.
Debt Manager helps commercial collections teams bring this context into their treatment strategies, so they can pursue overdue balances with a better understanding of the relationship.
Challenge
Understand connected borrowers and facilities
A business borrower may have several credit facilities, related companies, and personal guarantors. Working each account in isolation makes it harder to understand the lender’s exposure or coordinate the next step. Collectors need visibility across those connections before taking action.
Challenge
Protect the wider banking relationship
The business behind an overdue loan may also hold deposits, use treasury services, or have other lending arrangements with the bank. Collections teams need this context to choose an appropriate treatment and avoid conflicting actions across the relationship.
Challenge
Coordinate complex recovery paths
Commercial recovery can involve guarantors, secured assets, external agencies, and legal proceedings. Each path brings different responsibilities and documentation needs. Teams need clear routing, controlled handoffs, and visibility into what happens after an account leaves their queue.
B2B collection software for commercial lending workflows
Configure collections around your lending products, business borrower segments, and recovery policies. Give teams the flexibility to manage different commercial portfolios without forcing every account through the same process.
Connected business entities, facilities, and guarantors
Bring the wider borrowing relationship into the collector’s view. Understand how an overdue facility connects to related businesses, other credit facilities, and guarantors, so treatment decisions reflect more than a single account balance.
Treatment strategies by lending product
Apply different collection strategies to term loans, lines of credit, and asset finance. Configure payment thresholds, settlement rates, and treatment rules for each product, with work queues that direct accounts to the appropriate team.
Business borrower segmentation
Segment commercial and SME accounts using risk and ability-to-pay information, rather than relying only on days past due. Use those segments to guide treatment and prioritize accounts for specialist review.
Workflows triggered by commercial lending events
Respond when a payment posts, a covenant breach is recorded, or a guarantor is added. Event-driven workflows can reroute an account, cancel scheduled outreach, or trigger review as the borrower’s situation changes.
Commercial agency and legal placements
Manage placements with external collection agencies and law firms through configurable distribution, monitoring, and recall rules. FitPortal gives recovery partners secure access to the accounts they’re handling, while your team maintains oversight.
Product-specific settlement and approval rules
Apply approved settlement rates and treatment rules across commercial lending products. Keep decisions explainable, with a record of the rules used and the actions taken on each account.
Automated B2B debt collection software responds to borrower events
Commercial accounts don’t always fit a fixed sequence of reminders and escalations. A payment, a change in guarantor information, or a covenant event may require a different response.
Debt Manager uses configurable rules and event-driven workflows to move accounts into the appropriate treatment without waiting for the next batch cycle.
Route accounts to the right specialists
Direct accounts into work queues based on lending product, borrower segment, and triggering events. Escalate cases that need commercial recovery expertise or legal review.
Adjust treatment when circumstances change
Update the workflow when relevant account events occur. Cancel outreach after a payment or route an account for review when new information changes the appropriate next step.
Control external recovery handoffs
Apply placement and recall rules consistently across agencies and law firms. Monitor progress centrally rather than coordinating each handoff through spreadsheets and email.
AI support for complex business collections
Preparing for a conversation with a business borrower can mean reviewing multiple facilities, related entities, previous interactions, and relevant policies.
AI can help collectors work through that information. When evaluating AI for commercial collections, focus on how it supports account research, policy guidance, and reviewable decisions.
Summaries of the business relationship
Look for account summaries that bring together relevant information across products and entities. Collectors should be able to understand the relationship and review the underlying information before deciding what to do next.
Policy guidance for commercial cases
Give collectors access to guidance drawn from approved documentation. Useful support should help them find the policy relevant to the lending product and situation they’re handling.
Explainable recommendations
Settlement and treatment recommendations need a clear basis. Assess how recommendations are checked against approved rules and how your team can review the reasoning behind them.
Human review of consequential decisions
Keep judgment calls, approvals, and borrower communications within your established controls. Define where AI can assist, where a collector must review its output, and when a case needs further approval.
See how Debt Manager supports commercial collections
Explore how your team could manage business borrowing relationships, configure product-specific treatment strategies, and automate commercial recovery workflows in Debt Manager.
Our solutions
Solutions for commercial credit and collections
Debt Manager
Manage overdue business lending in one platform
Configure collections and recovery workflows for commercial and SME portfolios. Apply product-specific rules, respond to account events, and coordinate placements with external recovery partners.
FitLogic
Put lending and recovery policies into action
Turn complex data and business policies into explainable decisions. Give business teams a configurable decision engine to support treatment strategies across the credit lifecycle.
Debt Manager
Manage overdue business lending in one platform
Configure collections and recovery workflows for commercial and SME portfolios. Apply product-specific rules, respond to account events, and coordinate placements with external recovery partners.
FitLogic
Put lending and recovery policies into action
Turn complex data and business policies into explainable decisions. Give business teams a configurable decision engine to support treatment strategies across the credit lifecycle.
SpringFour
For Debt Manager
Connect customers to financial resources
Boost payment rates while helping customers in hardship access 25,000+ vetted financial resources nationwide.
Learn more
Frequently asked questions
B2B debt collection software is a platform built to manage overdue business and commercial debt, from early-stage delinquency through recovery. It differs from consumer debt collection software by handling multi-entity borrowers, covenants, guarantors, and the legal complexity specific to commercial lending.
Commercial collections may involve several borrowing facilities, related legal entities, personal guarantors, and secured assets within one relationship. A lender may also need to respond to covenant breaches, rather than missed payments alone.
Collectors need to understand those connections and the wider banking relationship when deciding how to treat an overdue account.
It can automate account routing, product-specific treatment rules, responses to account events, and placements with external recovery partners.
In Debt Manager, configurable rules can move an account into a specialist workflow, cancel scheduled outreach after a payment, or trigger review following a relevant commercial lending event. Your team defines the rules and approval requirements.
Start with the work collectors need help completing: understanding the business relationship, finding relevant policy, and assessing the next step.
Evaluate how AI uses approved information, how recommendations are checked against business rules, and how collectors can review its output. Human oversight should remain part of consequential decisions and borrower communications.
Debt Manager lets lenders configure product types with their own payment thresholds, settlement rates, and treatment rules. Term loans, lines of credit, and asset finance can follow different strategies within the same platform.
Risk-based segmentation and configurable work queues help teams apply those strategies to the appropriate accounts.