mercatorOS
creditOS
B2B Credit Intelligence
Stop guessing which customers
deserve credit.
creditOS intelligently scores every B2B customer on value and payment risk, assigns them to a credit tier with customised policies, and enforces those policies at checkout — automatically.
Install on Shopify
Free 30-day trial · No credit card · Cancel anytime
The problem
B2B credit is still
managed in spreadsheets.
Most B2B merchants extend net terms based on gut feel. A customer places a few orders, earns trust, and gets Net 30. Then they go 60 days overdue — and you're chasing an invoice instead of closing new business.
creditOS replaces instinct with data. Every customer gets a Value Score (how much they're worth) and a Risk Score (how likely they are to pay late). These two numbers determine their credit tier and the policies that apply at checkout.
Current state
No scoring. No data. Just guesswork.
With creditOS
How it works
Three steps from install to autopilot.
Set up in under 30 minutes. Works with your existing B2B data on Shopify and WooCommerce.
Connect
Install creditOS from the Shopify App Store or WooCommerce Marketplace. We pull your existing B2B order history, customer data, and payment records automatically. No manual data entry.
Score
creditOS calculates a Value Score and Risk Score for every wholesale customer using 5 weighted signals each. Scores update automatically as new orders and payments come in.
Enforce
Assign policies to each credit tier — net terms, credit limits, deposit requirements, minimum order values. Enforced natively at checkout via platform integrations — automatically.
Live demo
Watch creditOS rescore a customer.
Press the button. Watch scores update, tier reassign, and policy enforce — in real time.
Marcus Cole
Cole Wholesale Group · Last scored: 14 days ago
Active Policy
Features
Everything your credit team needs.
Automated credit scoring
Every B2B customer is scored continuously on value and payment risk — giving you a clear, objective picture of who to extend credit to and how much.
Granular policy control
Set precise rules per customer segment — net terms, credit limits, deposit requirements, and discount thresholds. Policies apply automatically, with no manual intervention needed.
Checkout enforcement
Native platform integrations apply your tier policies at checkout in real time — blocking orders that exceed credit limits, applying discounts, or requiring prepayment for high-risk tiers.
Manual overrides
Finance teams can override any automated tier assignment. Lock a customer to a specific tier, add notes, and set a review date. Full audit trail included.
The creditOS tier matrix
What merchants see inside creditOS
Hartley & Sons
Hartley Distribution Ltd
Marcus Cole
Cole Wholesale Group
Sterling Supplies
Sterling B2B Co
Redwood Trading
Redwood & Partners
Sample data · Real merchants see their actual customers scored in real time
The business case
One prevented bad debt pays for years of creditOS.
The average B2B merchant loses $15,000–$75,000 a year to bad debt — 3 to 5 incidents, each one avoidable with the right data. creditOS pays for itself the moment it stops the first write-off.
$15,000+
Average bad debt loss per incident
3–5×
Bad debt incidents per year for unscored B2B merchants
15 min
From install to your first scored customer
* Industry estimates. Results vary by merchant size and customer mix.
Ready to stop guessing?
Install creditOS free for 30 days. No credit card. Cancel anytime.