Software as a service (SAAS) services featuring software for for use in analyzing data, managing, collecting, reporting, tracking and automating credit, collections, and accounts receivable operations in business to business transactions and processes in multiple industries using digital credit applications, automated credit reviews and risk scoring, construction job sheets and order hold management, credit risk management, order to cash management, cash application management, automated trade reference management, audit tracking, automated credit analysis and reporting, data management and processing, financial analysis in credit, collections and accounts receivables, credit instant decision management, cash reconciliation management, collections management, collections automation, automated collections strategies, cash forecasting and risk management, electronic invoice presentation, payment portal, hierarchy management, claims, settlement and dispute management, reconciliation management.