About us

Since 1998, we have built one of the most comprehensive real-time commercial credit databases in New Zealand, covering more than 35 industry sectors.

We exist to help businesses reduce bad debt, improve cashflow and make informed decisions based on accurate, real-world data.

• 100 percent New Zealand owned
• 25+ years of commercial and trade credit expertise in New Zealand
• A trade credit contributor network that keeps our data accurate and current
• Real-time monitoring of trade payment data and risk
• Protection for your cashflow across your whole customer base

CreditWorks was formed in 1998 at the request of the Building Industry Federation and major trade suppliers including PlaceMakers, Bunnings, Carters, ITM, Mitre 10 and Exotic Timber.

The goal was simple: to create a shared debtor database that helped suppliers understand customer payment behaviour, while protecting the anonymity of the businesses contributing data.

What began as a shared debtor database quickly evolved into a nationwide credit intelligence network spanning 35+ sectors across construction, trade, transport, finance, wholesale, manufacturing and professional services.

Today, we continue to evolve our products and technology while staying true to our founding purpose: to help New Zealand businesses trade safely and sustainably.

Supporting businesses across 35+ industry sectors.

We tailor our tools to the needs of each sector, ensuring relevance and accuracy.

We provide a full suite of commercial credit tools designed to help businesses assess risk, onboard customers, monitor behaviour and protect cashflow.

• FINZscore: turns complex financial information into a simple, easy-to-understand A to E rating that helps businesses quickly assess risk. It is widely used across the building and construction sector to evaluate contractors, subcontractors and suppliers.
• CRISworks: a single, all-in-one platform that brings together live trade payment data to give a true, up-to-date view of financial behaviour, rather than relying on lagging indicators.
• Commercial credit reports: a clear, comprehensive view of a business’s financial behaviour, including FINZscore, payment history and overdue patterns, defaults, judgements and insolvencies, PPSR registrations, director and shareholder information, company structure and affiliations, and trading behaviour and enquiry history.
• Checkmate: gives individuals quick, straightforward access to their consumer credit information, helping them understand their financial position without the complexity.
• ApplyPlus: a fully digital, branded credit application experience that integrates directly into your credit decision workflow.
• AlertMe: real-time alerts on changes in customer risk, including new defaults, court actions, liquidations and receiverships, director changes and PPSR activity, and significant credit enquiries.
• PPSRplus: helps you secure your interest in customer assets quickly and accurately, reducing financial exposure and improving recovery outcomes.
• MarketWatch: a forward-looking view of market risk, built on real-time trade payment behaviour across New Zealand businesses.
• Data & Analytics: insights tailored for your business, including market share and share of wallet analysis, portfolio reviews, scorecard development and opportunity identification.
• Managing credit: over the last 20+ years, our CreditWorks Solutions team has managed the credit documentation, account onboarding and day-to-day credit management for some of New Zealand’s largest companies.