Every tool your credit team needs, in one governed workflow
From your applicants submitting their first form to your credit officer sealing a decision, TripleC Flow replaces email chains, spreadsheets, and individual bureau portal logins with a single auditable platform.
Applicant onboarding
Your form. Your brand. Structured data every time.
Design your application form to match your requirements: choose which sections to include, mark fields as required, apply your branding. Your applicants complete a step-by-step guided wizard with document upload and embedded DocuSign signing. You receive fully structured, verified data with no PDF attachments or email chasing.
- Configurable section library: company, directors, guarantors, financials, PPSR consent
- Branded with your logo and colours
- Multi-director signing via DocuSign embedded Focused View
- Auto-save so applicants can resume where they left off
- Embeddable on your own website via iframe
- Applicant profiles stored in your platform and reusable for renewal reviews
Bureau checks
Run checks once. Govern spend everywhere.
Before triggering any bureau search, the platform checks whether a valid report already exists within your configured validity window. Smart caching eliminates duplicate spend. Credit wallets give every branch, region, or product line a real-time view of their monthly bureau budget, with manager approval required for forced refreshes.
- Designed to connect to Equifax, PPSR, ASIC, ABN/ACN, land search
- Smart report caching with configurable validity windows per report type
- Credit wallets per branch or region with real-time balance tracking
- Forced refresh requires documented reason and manager approval
- Every search logged with user identity, timestamp, and consent reference
AI-assisted review
Your credit team moves faster. Without cutting corners.
C3, our built-in AI assistant, helps your credit officers work faster by summarising bureau reports, flagging what changed since the last assessment, and drafting underwriting review notes. C3 is advisory only. Your team confirms every consequential action.
- Bureau report summarisation with key risk indicators surfaced automatically
- Change detection that highlights what differs from the previous Equifax report
- Draft underwriting commentary for your credit officer to edit and sign off
- AI output preserved in the evidence pack with clear advisory labelling
- No automated decisions; human confirmation required for every credit action
Org hierarchy
Scales with your network from national to branch.
TripleC Flow models your organisation exactly, from national underwriter to state offices, regional managers, branch sellers, and the teams beneath each. Credit limits, bureau wallets, and approval authorities are scoped to the right level automatically. Add nodes, restructure your hierarchy, and reassign sellers without rebuilding your configuration.
- Unlimited org depth: national, state, region, branch, team
- Each node has its own credit wallet, approval matrix, and user roster
- Sellers (leaf nodes) receive applications directly; consolidators roll up reporting
- Hierarchy changes take effect immediately with no data migration required
- Reporting rolls up through the tree; each level sees exactly their scope
Approval workflow
Software-enforced approval matrix. Zero missed escalations.
Your delegation policy, defining who can approve what limit tier, is configured once and enforced automatically. Applications route to the correct authority without emails or manual escalation. Every review action is timestamped and identity-verified, creating a tamper-evident approval chain.
- Configurable multi-stage approval workflow per limit tier
- Automatic routing based on requested limit with no manual escalation
- Each stage records reviewer identity, decision, notes, and timestamp
- Out-of-delegation requests escalated automatically and cannot be bypassed
- Complete approval history captured in the decision evidence pack
Decision audit
Immutable evidence packs. Ready for any audit.
When your credit officer sets a credit limit, the platform automatically assembles and seals an immutable evidence pack containing every report, document, AI note, consent record, and approval action, locked with a cryptographic hash at the moment of decision. Nothing can be added, removed, or altered after the fact.
- Auto-assembled and sealed at the moment of decision
- Captures: bureau reports, ASIC extract, PPSR results, documents, AI notes, approvals
- Tamper-evident via SHA-256 hash chain
- Instantly retrievable for AFCA complaints, ASIC review, internal audit, or insurer claims
- Supports both trade credit insurance and self-insured limit governance
Integrations
Designed to connect to Australian bureau sources
TripleC Flow is built around a modular bureau adapter that connects to Australian data sources. Commercial agreements with each bureau are required; the platform handles the workflow, caching, and governance.
Bureau integrations are designed and test-ready. Live production connections require individual commercial agreements with each bureau provider.
Process
From application to decision, completely governed
Four stages that replace email chains, manual lookups, and scattered spreadsheets with a single, auditable workflow for your credit team.
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.
See the platform in action
Book a demo and walk through a complete credit workflow, from applicant submission to decision evidence pack, with your own network structure in mind.