The fastest path from new customer to ready to trade.
Replace PDFs, inbox chasing and manual checks with one digital application, one risk decision and one connected workflow.
From application to first order.
Every piece of information is collected once, checked immediately and routed to the next person without admin.
Apply
A branded application collects business, director and trading information.
Verify
ABN, company and credit data are checked automatically.
Assess
Rules turn risk signals into a clear recommendation.
Approve
The right people review exceptions and confirm terms.
Sync
The approved account moves into your ERP, ready to trade.
More control. A better first impression.
Decide with confidence.
- Complete, consistent application data
- Real-time business and credit checks
- Approval rules and a clear audit trail
Apply in minutes.
- Mobile-friendly branded forms
- No printing, scanning or email chains
- A faster path to placing the first order
Collect the right information once.
Configure a branded application around your terms, risk policy and customer type, including directors, guarantees and payment authority.
- ABN and legal entity data captured automatically
- Conditional questions for different account types
- Digital signatures and supporting documents
- Secure card or bank authority during application
Turn checks into clear decisions.
Bring company, identity and credit signals together so your team can approve strong customers quickly and focus attention where it matters.
- Real-time ABN and company verification
- Consistent risk rules across every application
- Recommended terms and credit limits
- Human review for exceptions
Less paperwork. Faster approvals. Better customers trading sooner.
Start where you are
Open accounts. Not admin.
See how PencilPay can turn your current credit application into a fast, controlled onboarding experience.