B2B credit management
Asked as “B2B credit management software”, and as “customer credit risk tool”, on behalf of a mid-market B2B company. 49 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
16%
Contested · Tesorio 14%
16Chaser14Tesorio12Gaviti57others
16% of first choices, contested.
Since September 2026↗new leaderNew leader since September 2026: Chaser (19%) replaces Tesorio (16% then, 14% now), 5 points clear, inside the 10-point floor.Chaser leads at 19%, replacing Tesorio, which led at 16% and stands at 14% now: 5 points clear, inside the floor, so the swap reads as unsettled.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Chaser27%Contested▼−11Since September 2026: 39% → 28%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →Mid-marketChaser16%Contested↗new leaderNew leader since September 2026: Chaser (19%) replaces Tesorio (16% then, 14% now), 5 points clear, inside the 10-point floor.This pageEnterprise
HighRadius Credit Cloud73%Clear leader▼−1Since September 2026: 72% → 71%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →
Chaser27%Contested▼−11Since September 2026: 39% → 28%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →Mid-marketChaser16%Contested↗new leaderNew leader since September 2026: Chaser (19%) replaces Tesorio (16% then, 14% now), 5 points clear, inside the 10-point floor.This pageEnterpriseHighRadius Credit Cloud73%Clear leader▼−1Since September 2026: 72% → 71%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Chaser16%9%33accepted challenger▲+9Since September 2026: 10% → 19%, +9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.10% → 19%
Chaser16%9%33accepted challenger▲+9Since September 2026: 10% → 19%, +9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.10% → 19%02
Tesorio14%0%17accepted challenger▼−2Since September 2026: 16% → 14%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.16% → 14%
Tesorio14%0%17accepted challenger▼−2Since September 2026: 16% → 14%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.16% → 14%03
Gaviti12%0%24accepted challenger▼−2Since September 2026: 14% → 12%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.14% → 12%
Gaviti12%0%24accepted challenger▼−2Since September 2026: 14% → 12%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.14% → 12%04
Creditsafe4%0%25accepted challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 2%
Creditsafe4%0%25accepted challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 2%05
Bectran4%0%16accepted challenger▼−1Since September 2026: 6% → 5%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 5%
Bectran4%0%16accepted challenger▼−1Since September 2026: 6% → 5%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 5%06
Nuvo4%0%12accepted challenger▼−1Since September 2026: 6% → 5%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 5%
Nuvo4%0%12accepted challenger▼−1Since September 2026: 6% → 5%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 5%07HighRadius Credit Cloud2%29%35criticized challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 2%
HighRadius Credit Cloud2%29%35criticized challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 2%Show the three products at 0%, ordered by negative rate
10
Experian Business Credit Reports0%10%10accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Experian Business Credit Reports0%10%10accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%08
Esker0%0%16accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Esker0%0%16accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%09
Sidetrade0%0%11accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Sidetrade0%0%11accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
All twenty-one head-to-head pages: the top seven products, each against each
Chaser vs BectranChaser vs NuvoChaser vs HighRadius Credit CloudTesorio vs GavitiTesorio vs CreditsafeTesorio vs BectranTesorio vs NuvoTesorio vs HighRadius Credit CloudGaviti vs CreditsafeGaviti vs BectranGaviti vs NuvoGaviti vs HighRadius Credit CloudCreditsafe vs BectranCreditsafe vs NuvoCreditsafe vs HighRadius Credit CloudBectran vs NuvoBectran vs HighRadius Credit CloudNuvo vs HighRadius Credit Cloud
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01020304050607080910Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Chaser16%
Chaser16%02Tesorio14%
Tesorio14%03Gaviti12%
Gaviti12%04Creditsafe4%
Creditsafe4%05Bectran4%
Bectran4%06Nuvo4%
Nuvo4%07HighRadius Credit Cloud2%
HighRadius Credit Cloud2%08Esker0%
Esker0%09Sidetrade0%
Sidetrade0%10Experian Business Credit Reports0%
Experian Business Credit Reports0%What they warned about
Zero of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
HighRadius Credit Cloud29%
10 of 35 labels negative · 7 of 14 models
“you cannot afford the multi-million dollar budgets or year-long implementation timelines of massive enterprise solutions (like HighRadius’s enterprise tier or SAP Credit Management)” Gemini 3.5 Flash, scale prompt
Chaser9%
3 of 33 labels negative · 3 of 14 models · 1 hard negative
“What to Avoid on a Tight Budget **Chaser** is an excellent platform but starts at £199/month” Qwen 3.7 Flash, budget prompt
CreditRepair.com
100%
2 of 2 labels negative · 2 of 14 models · 2 hard negative
“The CFPB filed suit against both in 2019 for illegally charging upfront fees and using deceptive marketing practices.” DeepSeek V4 Flash, negative prompt
Lexington Law100%
2 of 2 labels negative · 2 of 14 models · 2 hard negative
“The CFPB filed suit against both in 2019 for illegally charging upfront fees and using deceptive marketing practices.” DeepSeek V4 Flash, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
79 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 1099 links across 240 sites, every framing counted. Ranked by the number of answers carrying the site or page. 43 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
39 answers · 46 citations · 12 models
vendor site · Worldmetrics36 answers · 52 citations · 11 models
vendor site · HighRadius32 answers · 56 citations · 13 models
vendor site · Resolve Pay30 answers · 39 citations · 12 models
vendor site · Credit Pulse29 answers · 37 citations · 11 models
vendor site · Nuvo28 answers · 34 citations · 11 models
vendor site · Guideflow27 answers · 27 citations · 10 models
vendor site · G226 answers · 40 citations · 12 models
vendor site · Tesorio26 answers · 29 citations · 10 models
vendor site · Esker20 answers · 28 citations · 10 models
17 answers · 22 citations · 8 models
vendor site · Paraglide17 answers · 21 citations · 10 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
36 answers · 12 models
28 answers · 11 models
27 answers · 10 models
26 answers · 10 models
26 answers · 11 models
17 answers · 8 models
16 answers · 9 models
16 answers · 11 models
16 answers · 9 models
15 answers · 10 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “b2b credit management software”, “best b2b credit management software”, “credit management tools”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Chaser chaserhq.com | 16% | 218 | 6,120,000 | 13,683 | 11,066 | 0 | ||
| Tesorio tesorio.com | 14% | 153 | 880 | 8 | 1,079 | 13 | 7 | |
| Gaviti gaviti.com | 12% | 136 | 320 | 4 | 6,043 | 0 | ||
| Paidnice paidnice.com | 10% | 49 | 110 | 2 | 16,387 | 7 | ||
| Satago satago.com | 8% | 28 | 50 | 2 | 154 | |||
| Billtrust billtrust.com | 6% | 317 | 6,600 | 159 | 50,343 | $718 | 15 | 7 |
| Creditsafe creditsafe.com | 4% | 55 | 4,400 | 70 | 59,141 | 21 | ||
| Bectran bectran.com | 4% | 56 | 1,900 | 28 | 3,662 | 16 | ||
| Nuvo nuvo.com | 4% | 30 | 14,800 | 1,104 | 7,211 | 0 | 3 | |
| HighRadius highradius.com HighRadius Credit Cloud 2% | 2% | 116 | 6,600 | 118 | 294,561 company | $2,272 | 120 | 1 |
Google's top ten for the three searches hold 19 sites; 7 of them are among the sites the models cited here (creditpulse.com, esker.com, highradius.com, nuvo.com, paraglide.ai, resolvepay.com, tesorio.com). The first result for “b2b credit management software” is highradius.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best B2B credit management software for a mid-market B2B company?”Paraphrase“Which customer credit risk tool would you recommend to a mid-sized B2B company?”Comparative“What are the top credit management tools and how do they differ?”Budget-constrained“What is the best B2B credit management software for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a B2B credit management software. What should we look at?”Negative“Which credit management tools should I avoid or be cautious about?”
Claude Haiku 4.5Tesoriono first choiceChangedno first choiceChaser, My DSO Managerno first choiceagainst: Credit Karma
Four alternatives
Bectran, Gaviti, HighRadius Credit Cloud, NuvoTwo alternatives
Gaviti, OnguardThree alternatives
Creditsafe, Kolleno, UpflowGPT-5.4 miniBilltrustagainst: HighRadius Credit CloudDun & Bradstreet Credit IntelligenceChangedCreditsafe, D&B Finance Analytics Credit IntelligenceD&B Credit Insightsagainst: D&B Finance Analytics Credit Intelligenceno first choicenothing named
Four alternatives
Creditsafe, Gaviti, Quadient AR, UpflowThree alternatives
Bectran, Experian Business Credit Risk Management, Moody's Trade CreditEleven alternatives
Billtrust, Gaviti, HighRadius Credit Cloud, Kolleno, Oracle Fusion Cloud Credit Management, Quadient AR, Resolve Pay, SAP Credit Management, Tesorio, Upflow, VersapayOne alternative
D&B CreditSignalGemini 3.5 FlashTesorioagainst: HighRadius Credit Cloud, SASGavitiChangedagainst: Dun & BradstreetHighRadius Credit CloudSatagoagainst: Chaser, HighRadius Credit Cloud, NetNow, Quadient AR, UpflowBectran, Credit Pulse, Nuvoagainst: HighRadius Credit Cloud, SAP Credit Managementagainst: Experian Boost, TomoBoost
Five alternatives
Bectran, Credit Pulse, Gaviti, Quadient AR, Resolve PayThree alternatives
Kolleno, Resolve Pay, TesorioFive alternatives
Bectran, Chaser, Gaviti, Nuvo, TesorioThree alternatives
Equisettle, Paidnice, TroveSix alternatives
BlackLine, Chaser, Esker, Gaviti, Quadient AR, TesorioPerplexity SonarGavitiTesorioChangedagainst: HighRadius Credit Cloudno first choiceChaserno first choicenothing named
Three alternatives
Creditsafe, HighRadius Credit Cloud, Quadient AROne alternative
NuvoThree alternatives
Credit Hound, Experian Business Credit Reports, UpflowGrok 4.1 FastD&B Finance AnalyticsBectranChangedno first choiceChaser, Paidniceno first choiceagainst: CreditRepair.com, Equifax, Experian Business Credit Reports, Financial Education Services, HighRadius Credit Cloud, Lexington Law, TransUnion
Two alternatives
Emagia, HighRadius Credit CloudThree alternatives
Chaser, CreditPoint, HighRadius Credit CloudFive alternatives
Bectran, D&B Credit Reporter, Experian Business Credit Reports, Merclex, Nav BusinessMistral SmallGavitiTesorioChangedno first choiceChaserno first choiceagainst: Experian Decision Analytics, FICO, HighRadius Credit Cloud, Kount, TransUnion, iTransact
Two alternatives
Creditsafe, Onguard CreditManagerTwo alternatives
Gaviti, ParaglideTwo alternatives
Creditsafe, Resolve PayDeepSeek V4 FlashNuvoagainst: HighRadius Credit CloudTesorioChangedagainst: HighRadius Credit CloudHighRadius Credit CloudChaserno first choiceagainst: CreditRepair.com, Lexington Law, MyCreditHealth, ScoreSense, freecreditreport.com
Two alternatives
Billtrust, ChaserTwo alternatives
Chaser, GavitiSix alternatives
Bectran, Creditsafe, D&B Finance Analytics, Esker, Rex, SidetradeThree alternatives
My DSO Manager, Satago, UpflowLlama 4 MaverickChaserno first choiceChangedno first choiceno first choiceno first choicenothing named
Four alternatives
Creditsafe, HighRadius Credit Cloud, Nuvo, OnguardQwen 3.7 FlashOnguardCreditsafeChangedagainst: Dun & BradstreetCredit KarmaPaidniceagainst: Chaserno first choiceagainst: Credit Karma, Credit Sesame
Four alternatives
Chaser, Creditsafe, Gaviti, NuvoTwo alternatives
Bectran, EskerFour alternatives
Experian App, Tally, Undebt.it, myFICOTwo alternatives
Credit Hound, SatagoKimi K2Quadient ARagainst: VersapayNectarine CreditChangedAbrigo/Sageworks, HighRadius Credit CloudPaidniceno first choicenothing named
Two alternatives
HighRadius Credit Cloud, Resolve PayOne alternative
BectranThree alternatives
Chaser, Nav Business, UpflowGLM 4.7 FlashXGaviti, TesorioGavitiChangedagainst: HighRadius Credit CloudHighRadius Credit CloudPaidnice, Satagoagainst: Chaser, Kollenono first choicenothing named
Three alternatives
Creditsafe, Esker, HighRadius Credit CloudTwo alternatives
Chaser, Nectarine CreditNine alternatives
Esker, FairFigure, Gaviti, Hebbia, Model ML, Moody's, Nav Business, S&P Global Market Intelligence, TesorioTwo alternatives
Gaviti, My DSO ManagerMiniMax M2.5Billtrust, ChaserHighRadius Credit CloudChangedBectranChaser, Satagono first choicenothing named
Two alternatives
Credit Pulse, GavitiOne alternative
TesorioThree alternatives
Emagia, Experian Business Credit Reports, SidetradeOne alternative
PaidniceGPT-6 LunaBilltrustCreditsafeChangedno first choiceCredit Workbench Basicno first choicenothing named
Four alternatives
CreditPoint, Gaviti, Moody's Trade Credit, SidetradeTwo alternatives
D&B Finance Analytics, Experian BusinessIQSix alternatives
Creditsafe, Esker, Experian Business Credit Reports, HighRadius Credit Cloud, SAP Credit Management, SidetradeOne alternative
Credit App Express EssentialsMuse Glimmer 30BGavitiTesorioChangedHighRadius Credit Cloud, SidetradePaidnice, Satagono first choiceagainst: PrivacyGuard
Two alternatives
Credit Pulse, OnguardFour alternatives
Credit Pulse, Dun & Bradstreet, Experian Business Credit Reports, GavitiSix alternatives
Chaser, Esker, Gaviti, Onguard, Payt, SerralaOne alternative
ChaserBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:51 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:07 | yes | 2 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:39 | yes | 16 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 09:30 | yes | 16 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:02 | yes | 23 | 17 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:48 | yes | 20 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:06 | yes | 21 | 32 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:14 | yes | 5 | 9 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:10 | yes | 5 | 17 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:53 | yes | 18 | 27 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:22 | yes | 14 | 22 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:18 | yes | 13 | 21 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:04 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:14 | yes | 21 | 30 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:50 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:09 | yes | 2 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:18 | yes | 15 | 19 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 10:12 | yes | 17 | 4 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:39 | yes | 25 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:24 | yes | 5 | 2 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:39 | yes | 19 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:20 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:54 | yes | 10 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:59 | yes | 20 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:18 | yes | 24 | 50 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:11 | yes | 15 | 26 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:24 | yes | 3 | 10 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:45 | yes | 15 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:57 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:24 | yes | 6 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:50 | yes | 15 | 22 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:46 | yes | 20 | 7 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:12 | yes | 25 | 15 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:17 | yes | 11 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:31 | yes | 18 | 40 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:17 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:54 | yes | 20 | 41 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:10 | yes | 19 | 32 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:13 | yes | 24 | 70 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:05 | yes | 12 | 27 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:34 | yes | 6 | 22 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:06 | yes | 24 | 33 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:03 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:13 | yes | 4 | 8 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:15 | yes | 21 | 26 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 09:47 | yes | 15 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:10 | yes | 21 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:26 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:18 | yes | 25 | 22 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:59 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:20 | yes | 13 | 20 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:27 | yes | 15 | 21 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:20 | yes | 23 | 45 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:12 | yes | 9 | 20 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:22 | yes | 3 | 22 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:59 | yes | 20 | 28 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:26 | no | 0 | 5 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:49 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:36 | yes | 10 | 23 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 10:26 | yes | 18 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:10 | yes | 12 | 7 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:06 | no | 0 | 10 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:40 | yes | 21 | 38 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:31 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:19 | yes | 8 | 33 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:12 | yes | 21 | 40 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:17 | yes | 15 | 22 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:10 | no | 0 | 7 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:01 | yes | 1 | 19 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:14 | yes | 13 | 21 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:31 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:03 | yes | 7 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:00 | yes | 19 | 27 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 09:24 | yes | 21 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:52 | yes | 20 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:14 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:05 | yes | 25 | 26 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:16 | yes | 5 | 1 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:42 | yes | 15 | 41 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:07 | yes | 20 | 21 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:18 | yes | 24 | 28 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:12 | yes | 10 | 66 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:18 | yes | 4 | 12 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:22 | yes | 18 | 29 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
CreditPulse read as Credit Pulse
Experian read as Experian Business Credit Reports
Experian (Enterprise) read as Experian Business Credit Reports
Experian Business read as Experian Business Credit Reports
Experian Business CreditScore Pro read as Experian Business Credit Reports
HighRadius read as HighRadius Credit Cloud
HighRadius (Credit Cloud) read as HighRadius Credit Cloud
HighRadius Accounts Receivables read as HighRadius Credit Cloud
Moody's Analytics read as Moody's
Moody's Analytics (CreditLens, CreditEdge, RiskCalc) read as Moody's
Quadient read as Quadient AR
Quadient Accounts Receivable read as Quadient AR
Resolve read as Resolve Pay
Unresolved, counted raw
Abrigo/Sageworks
Atradius Collections
Credit Workbench Basic
Credit.net
CreditSights
D&B CreditSignal
Equifax Complete
Equifax Ignite
Eskar
EveryDollar
Experian App (IdentityWorks)
Experian Boost
Experian Business Credit Risk Management
Experian BusinessIQ
Experian CreditWorks
Financial Education Services (FES)
HighRadius's RadiusOne
IDShield
LeanPay
Model ML
Monarch Money
MyCreditHealth
Onguard CreditManager
PrivacyGuard
S&P Global Credit Risk Solutions
SAS Institute
ScoreSense
Self
TomoBoost
TradeCredit.ca
TransUnion TrueCredit
Undebt.it
WalletHub
annualreport.com
freecreditreport.com
iTransact
Discontinued, still offered
No shut-down product was recommended here.
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