The EFILOS platform unifies credit management, accounting, bureau data, supplier intelligence, and equipment financing—so finance teams get stronger control, better visibility, and faster execution. SCREDIT powers disciplined onboarding, automated decisioning, and healthier receivables—built for procurement-ready operations.
Finance teams that move fast need structure. EFILOS brings capture, analysis, and action into one workflow—with audit trails and policy discipline built for enterprise procurement.
Collect applications, supplier details, financials, and bureau inputs in structured digital workflows.
Apply policy rules, financial analysis, and risk scoring so teams can decide with confidence.
Drive approvals, collections, and portfolio monitoring from one unified ecosystem.
Digitize onboarding and automate analysis globally.
Bring credit, accounting, and financing into one scalable ecosystem, strengthening collections execution and receivables visibility.
CASH FLOW PERFORMANCEPlatform Benefits
Native mobile apps, responsive web, performance at scale, security-first architecture, and robust APIs—so you can deploy with confidence.
Native apps for SCREDIT (supplier end) and SCONNECT (customers submitting credit applications and viewing status). Plus full web access—credit workflows, dashboards, and approvals from any device. Built for office, field, and remote.
Optimized for speed and scale. Handle high-volume decisioning, bureau lookups, and portfolio analytics without lag. Built for enterprise workloads with uptime and reliability that procurement teams expect.
SOC 2-aligned controls, encryption in transit and at rest, role-based access, and full audit trails. We prioritize privacy and compliance at every level—built to support vendor evaluation and security questionnaires.
Seamlessly integrate with your ERP, CRM, and credit bureaus using well-documented APIs. Connect once, extend without limits—build custom workflows and automate data flows across your finance stack.
Product Suite
Connect your ERP, CRM, and credit bureaus once—then run credit, accounting, supplier risk, and equipment financing from a unified operating layer. Built for procurement and security review.
Turn credit risk into a competitive advantage. Native apps for suppliers (SCREDIT) and customers (SCONNECT—submit applications, view status). Automate onboarding, decisioning, and collections—with audit trails and policy discipline that support procurement reviews.
Professional accounting without hiring a CFO. Ledger control, receivables, payables, and cash flow visibility—with bank-grade security for growing businesses.
The "Plaid for Credit Bureaus"—one API, 400+ data sources. Fetch, normalize, and operationalize commercial credit data without months of integration work.
Turn supplier risk from a blind spot into a competitive advantage. Financial strength, compliance checks, and continuous vendor monitoring—so you only work with safe partners.
End-to-end lifecycle management for lenders and lessors. Origination, underwriting, contracts, and portfolio control—built for scale.
Platform Architecture
Security, multi-tenancy, governance, and observability make the platform credible for enterprise deployment. Explore the stack layer by layer.
Executive dashboards, analyst workspaces, customer portals, and admin controls.
Every persona gets a tailored workspace without breaking the consistency of the underlying operating model.