Give your credit team the platform they actually need.
TripleC Flow gives B2B credit teams a single governed platform — from configurable customer onboarding through bureau checks and AI-assisted review to credit limit decisions, with a complete audit trail.
Australian-built · Locally supported
Privacy Act compliant
Consent-first data architecture
Tamper-evident records
SHA-256 hash chain audit log
AICM-aligned process
Professional credit standards built in
Multi-tier network ready
National to branch, any depth
What your team gets
One platform. Three capabilities. Full visibility.
TripleC Flow covers the complete trade credit lifecycle, from your customers submitting a credit account request through to a governed limit decision with a complete audit trail.
01
Credit
Your branded digital application experience
Design the onboarding form to match your requirements: choose which sections to include, add your branding. Your applicants complete a guided wizard with document upload and DocuSign e-signature. No more PDF attachments or email chasing.
- Configurable multi-step application wizard
- DocuSign embedded e-signature for all directors
- Drag-and-drop document upload with auto-save
- Embeddable on your own website
02
Confidence
Bureau checks + AI-assisted review in one workflow
Your credit team runs Equifax commercial reports, PPSR searches, and ASIC lookups directly from the application, with smart caching so you never pay for the same report twice. C3 drafts review notes and flags risk changes. Your team decides.
- Equifax, PPSR and ASIC in one workflow
- Smart report caching with no duplicate spend
- Credit wallets per branch, region, or product line
- AI-assisted review notes, human-confirmed always
03
Control
Software-enforced approvals and immutable audit trail
Your approval delegation rules are configured once and enforced automatically. Applications route to the right authority without emails. Every decision is sealed in an immutable evidence pack, ready for any audit.
- Configurable approval matrix per limit tier
- Automatic routing with no missed escalations
- Immutable decision evidence packs
- Multi-tier org hierarchy from national to branch
Three outcomes. One platform.
Credit.
Grow your trade credit book responsibly — configurable customer onboarding, structured account applications, and a complete view of every business you extend terms to.
Confidence.
Give your credit team full visibility before every decision: bureau data, documents, AI review notes, and payment history in one place.
Control.
Enforce your delegation policy, track bureau spend, seal decision evidence packs, and maintain a tamper-evident audit trail automatically.
How it works
Four steps to a governed credit decision
Your applicant completes a branded digital form
You design the onboarding form: choose which sections to include, which fields are mandatory, and your branding. Your applicant completes it online, uploads documents, and signs digitally via DocuSign. You receive a fully structured application with no PDFs or email attachments.
Automated bureau checks + AI-assisted review
Your credit team triggers Equifax commercial reports, PPSR searches, and ASIC lookups directly from the application. Smart caching prevents duplicate spend. C3 drafts review notes and highlights risk changes. Credit wallets track bureau spend per branch in real time.
Governed approval workflow
The application routes through your approval matrix automatically, from branch manager to risk manager to credit committee, based on the requested limit tier. No emails, no manual routing, no missed escalations. Every review action is timestamped and identity-verified.
Credit limit set + immutable evidence pack sealed
Your credit officer sets the limit. The platform automatically assembles and seals an immutable evidence pack containing every report, document, AI note, consent record, and approval action. The audit trail is ready for AFCA, internal audit, or insurer review instantly.
What changes when you move to TripleC Flow
↓ 80%
Reduction in duplicate bureau report spend
via smart caching and credit wallet governance
↓ 60%
Faster time-to-credit for returning applicants
pre-populated profiles, pre-verified documents
100%
Decisions with a complete evidence pack
automatically assembled and locked at approval
Zero
Missed escalations in the approval matrix
software-enforced delegation, not email-based
Security & compliance
Built for Australian businesses extending credit
Your customers trust you with their financial information. TripleC Flow is built and hosted in Australia — your data never leaves.
Encryption at rest & in transit
All data encrypted at rest (AES-256) and in transit (TLS 1.2+). Secrets managed in isolated vaults, never in application code.
Privacy Act aligned
Consent is tracked, specific, and auditable. Bureau searches require valid consent authority before execution; nothing is assumed.
Role-based access control
Every action is checked against a Policy Decision Service. Users see only what their role permits, down to the org node level.
Tamper-evident audit log
Every sensitive action is immutably logged with user identity, timestamp, and context. SHA-256 hash chaining detects tampering.
Identity-verified approvals
Credit limit approvals are tied to authenticated user identities. No anonymous or shared-credential approvals.
Australian data residency
Deployed in AWS ap-southeast-2 (Sydney). Credit data and bureau reports remain in Australia.
Ready to see TripleC Flow?
Book a demo with our team and see how the platform handles your specific network structure and credit workflow.