The operating system for customer credit and collections.
One system of record for every customer, invoice and payment — with reminders that collect what you're owed automatically, and a live credit score that shows exactly who's safe to sell to on credit.
- No credit card required
- Free forever plan
- Live in under a day
Pays inside terms. Room to grow the limit.
Settled 34 invoices averaging 2 days early. Ordering up 20% this quarter.
How it works
From scattered notebooks to a customer book that runs itself.
Every customer in one place
Contacts, territories, credit terms, full transaction history and a bank-style statement you can print or send. No more notebooks or scattered WhatsApp threads.
Invoice, then let it chase itself
Raise the invoice in seconds. Credolay reminds the customer before it falls due, again when it does, and keeps going until they pay — each message carrying a pay-now link.
Know who to trust
Every customer earns a credit score from their own payment behaviour, so you can see who deserves more credit and who is about to cost you money.
Key benefits
One record per customer
Contact details, credit terms, every invoice and payment, and a statement you can hand over on request. Everything about an account on one screen.
Reminders that run themselves
Set the schedule once. Credolay chases every overdue invoice on time, stops the moment someone pays, and never chases a customer who has promised to pay.
Payment links that reconcile themselves
Each reminder carries a link. The customer taps and pays, the invoice closes, the ledger updates. Nobody keys anything in.
Credit intelligence on top
A live score per customer built from punctuality, exposure and ordering patterns — flagging the accounts about to go bad weeks before they do.
The money is already leaking. You just can’t see where.
Most small businesses lose 5–8% of what they are owed to debt they could have seen coming — and hours every week chasing the rest.
- Customer records spread across notebooks and phones
- Chasing payments by hand, when someone remembers
- No statement to send when a customer disputes a balance
- You find out an account went bad when it already has
- Every customer and transaction in one place
- Reminders that send themselves, with pay-now links
- A statement ready for any customer, any period
- Warning signs flagged weeks ahead
Your whole business, on one screen
Start with the customers you already have. Add what they owe, and the statements, reminders and scores build themselves from there.
Set up your book- Full customer records and history
- Automatic payment reminders
- Pay-now links that reconcile
- Bank-style account statements
- Credit scores and risk alerts
Common questions
It replaces the notebook, not your process. Someone raises the invoice in the app instead of writing it down — that is the only habit that has to change. The statements, the reminders, the ageing and the scores are all produced automatically from those entries. Most businesses are running properly inside a week.