B2B credit management for small business buyers
Asked as “B2B credit management software”, and as “customer credit risk tool”, on behalf of a small B2B company. 49 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
27%
Contested · Satago 18%
27Chaser18Satago08Paidnice47others
27% of first choices, contested.
Since September 2026▼−11Since September 2026: 39% → 28%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.Chaser held the lead, −11 points on 39%, past the floor.
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.This pageMid-marketChaser16%Contested↗new leaderNew leader since September 2026: Chaser (19%) replaces Tesorio (16% then, 14% now), 5 points clear, inside the 10-point floor.Standing →Enterprise
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.This pageMid-marketChaser16%Contested↗new leaderNew leader since September 2026: Chaser (19%) replaces Tesorio (16% then, 14% now), 5 points clear, inside the 10-point floor.Standing →EnterpriseHighRadius 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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Chaser27%11%44accepted challenger▼−11Since September 2026: 39% → 28%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.39% → 28%
Chaser27%11%44accepted challenger▼−11Since September 2026: 39% → 28%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.39% → 28%02
Satago18%0%20accepted challenger▲+21Since September 2026: 0% → 21%, +21 points. Past the 10-point floor: movement. Read over the models both editions asked.0% → 21%
Satago18%0%20accepted challenger▲+21Since September 2026: 0% → 21%, +21 points. Past the 10-point floor: movement. Read over the models both editions asked.0% → 21%03
Paidnice8%0%18accepted challenger▼−9Since September 2026: 16% → 7%, −9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.16% → 7%
Paidnice8%0%18accepted challenger▼−9Since September 2026: 16% → 7%, −9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.16% → 7%04
Creditsafe6%10%21accepted challenger▼−1Since September 2026: 6% → 5%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 5%
Creditsafe6%10%21accepted challenger▼−1Since September 2026: 6% → 5%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 5%05
Upflow6%6%16accepted challenger▲+5Since September 2026: 2% → 7%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 7%
Upflow6%6%16accepted challenger▲+5Since September 2026: 2% → 7%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 7%06
Bectran6%9%11accepted challenger▲+5Since September 2026: 0% → 5%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 5%
Bectran6%9%11accepted challenger▲+5Since September 2026: 0% → 5%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 5%07
Experian Business Credit Reports4%7%14accepted challenger▲+1Since September 2026: 4% → 5%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 5%
Experian Business Credit Reports4%7%14accepted challenger▲+1Since September 2026: 4% → 5%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 5%08
Credit Pulse4%0%10accepted challenger▲+3Since September 2026: 2% → 5%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 5%
Credit Pulse4%0%10accepted challenger▲+3Since September 2026: 2% → 5%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 5%Show the three products at 0%, ordered by negative rate
11HighRadius Credit Cloud0%65%23criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
HighRadius Credit Cloud0%65%23criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
Esker0%42%12criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Esker0%42%12criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%09
Kolleno0%42%12criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Kolleno0%42%12criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 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 →
0102030405060708091011Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Chaser27%
Chaser27%02Satago18%
Satago18%03Paidnice8%
Paidnice8%04Creditsafe6%
Creditsafe6%05Upflow6%
Upflow6%06Bectran6%
Bectran6%07Experian Business Credit Reports4%
Experian Business Credit Reports4%08Credit Pulse4%
Credit Pulse4%09Kolleno0%
Kolleno0%10Esker0%
Esker0%11HighRadius Credit Cloud0%
HighRadius Credit Cloud0%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 Cloud65%
15 of 23 labels negative · 9 of 14 models · 6 hard negative
“Enterprise solutions like **HighRadius**, **BlackLine**, and **Esker** are designed for large corporations ... can cost **$100,000–$300,000+ in year one**” Kimi K2, negative prompt
Chaser11%
5 of 44 labels negative · 5 of 14 models
“Top-rated (4.98/5 Xero, 4.3 G2), but pricier—suits if you're scaling past very small.” Grok 4.1 Fast, budget prompt
Sidetrade62%
5 of 8 labels negative · 4 of 14 models · 4 hard negative
“Enterprise-Level Credit Management Platforms (Avoid) **Examples: HighRadius, Sidetrade, Onguard, Esker**” DeepSeek V4 Flash, negative prompt
Esker42%
5 of 12 labels negative · 4 of 14 models · 3 hard negative
“Enterprise solutions like **HighRadius**, **BlackLine**, and **Esker** are designed for large corporations” Kimi K2, 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
77 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. 1044 links across 190 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.
49 answers · 55 citations · 13 models
vendor site · G240 answers · 68 citations · 13 models
vendor site · Tesorio30 answers · 30 citations · 12 models
vendor site · Worldmetrics27 answers · 32 citations · 10 models
vendor site · Resolve Pay26 answers · 31 citations · 12 models
vendor site · Credit Pulse25 answers · 37 citations · 9 models
vendor site · Esker24 answers · 31 citations · 9 models
vendor site · Paidnice23 answers · 47 citations · 9 models
vendor site · Guideflow23 answers · 23 citations · 10 models
vendor site · Nuvo22 answers · 25 citations · 10 models
21 answers · 38 citations · 10 models
vendor site · HighRadius21 answers · 33 citations · 9 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.
47 answers · 12 models
31 answers · 12 models
30 answers · 12 models
23 answers · 10 models
23 answers · 9 models
22 answers · 10 models
20 answers · 8 models
20 answers · 10 models
19 answers · 9 models
17 answers · 8 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 | 27% | 218 | 6,120,000 | 13,683 | 11,066 | 0 | ||
| Satago satago.com | 18% | 28 | 50 | 2 | 154 | |||
| Paidnice paidnice.com | 8% | 49 | 110 | 2 | 16,387 | 7 | ||
| Creditsafe creditsafe.com | 6% | 55 | 4,400 | 70 | 59,141 | 21 | ||
| Upflow upflow.io | 6% | 170 | 880 | 102 | 25,361 | |||
| Bectran bectran.com | 6% | 56 | 1,900 | 28 | 3,662 | 16 | ||
| Experian Business Credit Reports experian.com | 4% | 22 | 3,600 | 18 | 11,578,864 | $1,386 | 96 | |
| Credit Pulse creditpulse.com Credit Pulse 4%, Credit Hound 0% | 4% | 29 | 210 | 30 | 6,899 | 0 | 5 | |
| Gaviti gaviti.com | 4% | 136 | 320 | 4 | 6,043 | 0 | ||
| Resolve resolvepay.com Resolve Pay 4% | 4% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 6 |
Google's top ten for the three searches hold 19 sites; 6 of them are among the sites the models cited here (creditpulse.com, esker.com, highradius.com, nuvo.com, 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 small B2B company?”Paraphrase“Which customer credit risk tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top credit management tools for a small team and how do they differ?”Budget-constrained“What is the best B2B credit management software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a B2B credit management software. What should we look at?”Negative“Which credit management tools should a small business avoid or be cautious about?”
Claude Haiku 4.5ChaserGavitiChangedChaserChaserno first choicenothing named
Three alternatives
Experian Business Credit Reports, Gaviti, UpflowThree alternatives
Experian Business Credit Reports, Nuvo, Resolve PayThree alternatives
NetNow, Paidnice, SatagoTwo alternatives
Gaviti, UpflowGPT-5.4 miniUpflowExperian BusinessIQ 2.0 / Experian business credit reportsChangedChaseragainst: BilltrustChaserno first choicenothing named
Three alternatives
Creditsafe, D&B Finance Analytics, GavitiOne alternative
CreditsafeFive alternatives
Creditsafe, D&B Finance Analytics, Kolleno, Tesorio, UpflowTwo alternatives
D&B Finance Analytics, KollenoGemini 3.5 FlashChaser, ezyCollectagainst: Esker, HighRadius Credit Cloud, SidetradeCredit PulseChangedagainst: Dun & BradstreetNuvoSatagoagainst: HighRadius Credit Cloud, SidetradeChaser, Resolve Payagainst: BlackLine, HighRadius Credit Cloudagainst: Dun & Bradstreet's *CreditBuilder*
Four alternatives
Credit Pulse, NetNow, Nuvo, SatagoFour alternatives
Creditsafe, Experian Business Credit, NetNow, Resolve PayFour alternatives
Chaser, NetNow, Satago, UpflowThree alternatives
Chaser, Credit Hound, UpflowFour alternatives
Kolleno, Quadient AR, TreviPay, UpflowPerplexity SonarUpflowSatagoChangedChaser, KollenoChaseragainst: Bectran, Esker, HighRadius Credit Cloudno first choiceagainst: Experian Decision Analytics, FICO, Kount, Onguard
Two alternatives
Bectran, CreditsafeThree alternatives
Chaser, D&B Credit Insights, UpflowFour alternatives
CreditDevice, NetNow, Nuvo, ThorTwo alternatives
Creditsafe, PaytGrok 4.1 FastChaseragainst: HighRadius Credit CloudExperian Business Credit ReportsChangedagainst: Moody's, Nav BusinessPaidniceagainst: KollenoPaidniceagainst: Chaserno first choiceagainst: Chargeflow, Creditsafe, Dun & Bradstreet, HighRadius Credit Cloud, Kolleno, Onguard, Sidetrade
Two alternatives
Creditsafe, GavitiOne alternative
Dun & Bradstreet (D&B) Credit InsightsThree alternatives
Chaser, Payt, SatagoThree alternatives
D&B Credit Insights, Nav Business, SatagoMistral SmallCredit Pulse, Resolve Payagainst: HighRadius Credit CloudChaser, SatagoChangedCreditsafeChaserno first choicenothing named
One alternative
ChaserSix alternatives
Credit Pulse, Dun & Bradstreet, Esker, HighRadius Credit Cloud, NetNow, SidetradeTwo alternatives
Equifax, PaytDeepSeek V4 FlashBectranSatagoChangedChaseragainst: Esker, HighRadius Credit Cloud, OnguardMerclexagainst: Chaserno first choiceagainst: BlackLine, HighRadius Credit Cloudagainst: D&B Credit Insights, D&B Hoovers, Esker, HighRadius Credit Cloud, Onguard, Sidetrade
One alternative
NuvoTwo alternatives
Creditsafe, Experian Business Credit ReportsThree alternatives
Bectran, Cforia, PaytThree alternatives
Nav Business, Paidnice, SatagoLlama 4 MaverickChaserno first choiceChangedno first choiceChaserno first choicenothing named
Two alternatives
Equifax, My DSO ManagerQwen 3.7 FlashMy DSO Manageragainst: HighRadius Credit CloudUpflowChangedChaser, PaidniceSatagoagainst: Chaserno first choiceagainst: Afterpay, Klarna, Splitit
Two alternatives
LedgerPrime / CreditSafe Apps, SidetradeTwo alternatives
Paidnice, ParaglideThree alternatives
Kolleno, Satago, ezyCollectOne alternative
PaidniceKimi K2BectranCreditsafeChangedChaser, MaxCredibleagainst: MelioPaidnice, Satagoagainst: Chaserno first choiceagainst: BlackLine, Esker, HighRadius Credit Cloud, Tesorio, Versapay
Two alternatives
Credit Pulse, HighRadius Credit CloudFour alternatives
Dun & Bradstreet CreditMonitor, Nav Business, Nuvo, Resolve PayTwo alternatives
Credit Pulse, Resolve PayTwo alternatives
My DSO Manager, UpflowGLM 4.7 FlashXGavitiagainst: KollenoSatagoChangedCashNowagainst: CGI Credit Studio, HighRadius Credit CloudPaidniceno first choiceagainst: Creditsafe, HighRadius Credit Cloud, Oracle NetSuite AR, SAP Ariba
Three alternatives
BILL, Chaser, Credit-IQThree alternatives
Credit Pulse, Experian Business Credit Reports, FairFigureSeven alternatives
Bectran, Chaser, Credit Pulse, Esker, Kolleno, Paidnice, SerralaFour alternatives
Chaser, CreditRiskMonitor, My DSO Manager, ThorMiniMax M2.5Chaser, SatagoCreditsafe, Experian Business Credit ReportsChangedChaserSatagoagainst: Chaser, Nav Business, Upflowno first choicenothing named
One alternative
PaidniceTwo alternatives
Chaser, Resolve PayTwo alternatives
Paidnice, SatagoOne alternative
PaidniceGPT-6 LunaBectranCreditsafeChangedagainst: Experian ExpressQuickBooks Online's built-in toolsQuickBooks Onlineno first choicenothing named
Two alternatives
Chaser, Credit App Express EssentialsFour alternatives
Chaser, Gaviti, Paidnice, UpflowTwo alternatives
Creditsafe, DuebayMuse Glimmer 30BChaserDun & Bradstreet Credit InsightsChangedMy DSO Manager, Paidniceagainst: KollenoPaidniceno first choiceagainst: Dun & Bradstreet, Experian Business Credit Reports, HighRadius Credit Cloud, Kolleno, Onguard, Sidetrade
Three alternatives
Bectran, Nuvo, RexTwo alternatives
Creditsafe, Experian Business Credit ReportsThree alternatives
Chaser, Payt, Quadient ARFour alternatives
Chaser, CreditRiskMonitor, My DSO Manager, SatagoBold 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 10:34 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:58 | yes | 3 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:04 | yes | 23 | 33 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 11:12 | yes | 17 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:21 | yes | 25 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:28 | yes | 5 | 11 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:57 | yes | 23 | 25 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:43 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:03 | yes | 16 | 49 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:26 | yes | 19 | 34 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:40 | yes | 24 | 60 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:11 | yes | 9 | 16 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:48 | yes | 3 | 21 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:46 | yes | 11 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:20 | yes | 15 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:53 | yes | 2 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:56 | yes | 14 | 20 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 09:13 | yes | 17 | 2 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:57 | yes | 23 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:39 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:09 | yes | 21 | 27 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:23 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:57 | yes | 10 | 33 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:34 | yes | 19 | 27 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:16 | yes | 17 | 31 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:40 | yes | 16 | 68 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:41 | yes | 4 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:10 | yes | 21 | 24 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:09 | yes | 14 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:13 | yes | 0 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:04 | yes | 15 | 21 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:49 | yes | 14 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:22 | yes | 22 | 14 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:36 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:58 | yes | 23 | 35 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:09 | yes | 5 | 1 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:34 | yes | 9 | 27 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:35 | yes | 24 | 33 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:14 | yes | 19 | 142 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:42 | yes | 23 | 34 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:24 | yes | 5 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:12 | yes | 20 | 51 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:53 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:13 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:15 | yes | 15 | 24 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 08:56 | yes | 16 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:15 | yes | 21 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:00 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:48 | yes | 19 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:33 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:06 | yes | 9 | 32 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:54 | yes | 13 | 26 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:16 | yes | 24 | 89 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:02 | yes | 17 | 34 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:18 | yes | 3 | 16 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:02 | yes | 14 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:54 | no | 0 | 5 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:31 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:50 | yes | 18 | 26 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 07:58 | yes | 18 | 6 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:32 | yes | 11 | 7 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:02 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:11 | yes | 17 | 38 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:58 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:35 | yes | 9 | 39 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:55 | yes | 9 | 16 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:52 | yes | 12 | 47 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:06 | yes | 5 | 17 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:38 | yes | 2 | 14 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:07 | yes | 9 | 32 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:40 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:37 | no | 0 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:04 | yes | 18 | 27 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 09:52 | yes | 19 | 6 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:59 | yes | 24 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:34 | yes | 5 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:56 | yes | 24 | 33 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:22 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:16 | no | 0 | 41 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:25 | yes | 17 | 23 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:56 | yes | 21 | 55 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:56 | no | 0 | 58 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:10 | yes | 4 | 17 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:17 | yes | 23 | 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
Experian read as Experian Business Credit Reports
Experian Business read as Experian Business Credit Reports
HighRadius read as HighRadius Credit Cloud
QuickBooks read as QuickBooks Online
Resolve read as Resolve Pay
Resolve (Resolve Pay) read as Resolve Pay
YayPay (Quadient) read as Quadient AR
YayPay by Quadient read as Quadient AR
Unresolved, counted raw
CashNow
D&B Hoovers
Duebay
Dun & Bradstreet (D&B) Credit Insights
Dun & Bradstreet Credit Insights
Dun & Bradstreet CreditMonitor
Dun & Bradstreet's *CreditBuilder*
Experian Business Connect
Experian Business Credit
Experian BusinessIQ 2.0 / Experian business credit reports
Experian Express
FICO Business Edge
Global Database Risk Intelligence (GDRI)
LedgerPrime / CreditSafe Apps
Levers
Oracle NetSuite AR
QuickBooks Online's built-in tools
Rubix
Discontinued, still offered
No shut-down product was recommended here.