Give your credit team the platform they actually need.
TripleC Flow gives lender networks a single governed platform — from configurable applicant onboarding through bureau checks and AI-assisted review to credit limit decisions with complete audit trails.
Built for Australian lender networks
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 applicants submitting their first form through to a governed credit 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 logo, set mandatory fields. Your applicants complete a guided step-by-step wizard with document upload and DocuSign e-signature. No more PDF attachments or email chasing.
- Configurable multi-step application wizard
- DocuSign embedded e-signature — all directors sign digitally
- Drag-and-drop document upload with auto-save
- Embeddable on your own website
02
Confidence
Bureau checks + AI-assisted review — all 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, our AI assistant, drafts review notes and flags risk changes. Your team decides.
- Equifax, PPSR & ASIC — all in one workflow
- Smart report caching — 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 — who can approve which limit tier — are configured once and enforced automatically. Applications route to the right authority without emails or manual escalation. Every decision is sealed in an immutable evidence pack, ready for any audit.
- Configurable approval matrix per limit tier
- Automatic routing — no missed escalations
- Immutable decision evidence packs
- Multi-tier org hierarchy — national to branch
Three outcomes. One platform.
Credit.
Grow your trade credit network responsibly — with governed onboarding, structured applications, and a complete view of every applicant.
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 — which sections to include, which fields are mandatory, your branding. Your applicant completes it online, uploads documents, and signs digitally via DocuSign. You receive a fully structured application — no PDFs, no 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, our AI assistant, 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 — branch manager, risk manager, 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 — 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 regulated lenders
Trade credit platforms handle sensitive financial and personal information. Security and compliance are foundational, not optional.
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 — not 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.