Accounts Receivable Software for CFOs & B2B finance teams
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Kevin William David

FinFloh Credit Decisioning AI - Empowering Faster & Smarter B2B Credit Decisions, Every Time

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Powered by a ML-driven dynamic credit decisioning algorithm, FinFloh enables businesses with AI-driven accurate credit/contract/pricing decisions across customer lifecycle, esp. during customer onboarding integrated with CRMs like Salesforce.

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Amartya
Maker
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Thank you so much for hunting us @Kevin ! I’m Amartya, CEO & Co-founder of FinFloh. Think of AI and how it can be applied for Finance teams to be more productive and make better decisions. FinFloh Credit Decisioning AI is just that, and more. Through the AI-powered Credit Decisioning software, firms can leverage Machine Learning to use market intelligence, buyer payment history and buyer behaviour to generate a credit risk score for their buyers. The score is dynamically calculated and is indicative of the risk associated with a buyer and can answer many questions - - What kind of terms work best? - When are they going to pay? - How are they going to impact cashflows? - Are they going to default? - What kind of efforts are required to get payments from them? In short, the risk score is an intelligent input into our AI Credit Decisioning software through which firms can automate their buyer onboarding decisions and process, define and track credit limits, best negotiate their credit/contract/payment terms, structure renewals and even forecast their cashflows. The icing on the cake is our backward feedback into CRMs like Salesforce to work out the credit/contract/pricing terms and track the account-related data provided like revenue targets and buyer data. What this means - firms can negotiate the best terms, sales and finance teams communicate better, and ERPs and CRMs sync perfectly. How do we impact and empower firms? 1. Credit Control: ML-driven Credit risk scoring of buyers based on market intelligence and buyer behaviour 2. Accurate Credit Decisions: AI-driven, data-backed recommendations enable precise credit terms, improving decision-making. 3. Powerful CRM-ERP connectivity: Seamless data flow and sync between CRM-ERP entails lesser manual uploads and errors and data mismatch. 4. Reduction in Overdue Balances: Implementing the right credit terms helps minimize overdue payments and enhance cash flow. 5. Lower Risk of Bad Debt: With accurate credit assessments and onboarding the right buyers, businesses reduce their exposure to bad debt. 6. Improved Sales-Finance Collaboration: By feeding account-level credit data back into CRMs, sales and finance teams stay aligned, ensuring seamless collaboration and more informed decision-making. With simple no code integrations, FinFloh is compatible with all major ERPs (Oracle/Microsoft/SAP/ Xero/Sage/others), CRMs (esp. Salesforce) and other accounting and invoicing softwares. In just a week’s time, businesses can start using the solution and get up and running. Prior to FinFloh, I was the co-founder at a deep-tech payments startup into SoftPOS payments enabled by NFC, which was acquired by a listed payments entity. Prior to that, I have more than a decade of experience in building and selling products to businesses with a major focus on fintech. We’re super excited to be hunted here. Looking forward to helping businesses across the world become cash flow positive & never worry about taking the right credit decisions. Now, imagine a world where invoices pay themselves and cash flows effortlessly. With FinFloh, that's your reality. If you would like to understand more about what we do and how FinFloh could be of help to your company, you can either book a demo or start a free 21-day trial. We’re also excited to waive off the fees for your 1st 2 months on our year one pricing for businesses who sign up from the Product Hunt community. Cheers!
Max Savonin
@kevin @iamartya FinFloh's AI-driven approach to credit decisioning offers a valuable solution for businesses seeking to improve their financial operations. The focus on automating processes, reducing risk, and enhancing collaboration between sales and finance teams is particularly compelling. Here are some questions for further exploration: - How does FinFloh ensure the privacy and security of sensitive financial data? - Can FinFloh be customized to fit the specific needs and workflows of different industries or business sizes? - How deep are the integrations with popular ERPs and CRMs, and what specific data can be exchanged? As a developer with experience in financial technology and AI, I'm interested in how FinFloh works. Here are some potential areas for collaboration: - Contributing to the development and refinement of the AI models used for credit risk assessment and decision-making. - Exploring integrations with additional ERP, CRM, or accounting platforms. - Enhancing the visualization of credit data and insights to provide a more user-friendly experience for decision-makers. I'd love to learn more about FinFloh's technical architecture and explore opportunities to contribute to its development. Additionally, I'm interested in trying out FinFloh to see how it can improve our credit decisioning processes and enhance cash flow management.
@kevin @iamartya Cheers to the team behind this! Wishing you all the best on this new adventure. What are you most excited about with this launch?
Subhasis Sahoo
Maker
@max_savonin1 - I handle marketing at FinFloh, could you please tell us your email id or linkedin id so that we can get in touch to discuss this further?
Tanay Kothari
@kevin @iamartya Hey Amartya, congrats on the launch of FinFloh! The AI-powered credit risk scoring sounds super valuable for finance teams. I'm curious, how does FinFloh adapt to rapidly changing market conditions or buyer behavior? Can it adjust credit recommendations in real-time, and if so, how does that impact decision-making for firms? Looking forward to seeing how this evolves!
Valerius Dcunha
Maker
FinFloh's Credit Decisioning AI is a game-changer for businesses. It gives real-time visibility into customer credit health, allowing sellers to make faster, more confident decisions on extending credit. The automated risk scoring and alerts ensure sellers stay ahead of potential issues, reducing bad debt and improving their cash flows. For businesses looking to enhance credit control and minimize risk, FinFloh is an invaluable tool. It not only streamlines the process but also empowers teams to focus on growth with confidence.
Subhasis Sahoo
Maker
@valerius_dcunha - Thanks for summing it up so well! The real-time visibility and proactive risk scoring are exactly what make FinFloh a game-changer. It’s awesome how this tool helps teams stay ahead of potential issues while staying focused on growth. Couldn’t agree more with your points!
Tony Carter
Hey Amartya and the FinFloh team! What an exciting innovation for finance teams! 🎉 The AI-powered Credit Decisioning software sounds like a powerful tool that can significantly enhance productivity and decision-making in financial operations. Automating the buyer onboarding process, leveraging market intelligence and buyer behavior to generate dynamic credit risk scores, and integrating seamlessly with major ERPs and CRMs is a game-changer. The ability to forecast cash flows and reduce the risk of bad debt is incredibly valuable. Kudos to you all for making financial management more efficient and insightful. Super excited to see how FinFloh evolves and impacts businesses worldwide. 🚀👏 #Upvoted P.S. The free 21-day trial and the two-month fee waiver for the Product Hunt community is a fantastic offer! 😊 @iamartya
Amartya
Maker
@tony_creator Thanks Tony. We are all up for innovation for finance teams.
Kyrylo Silin
Hey Amartya, How does FinFloh handle unique or niche industries where standard credit metrics might not apply? Do you have any case studies or examples of how this has improved decision-making accuracy for businesses? Congrats on the launch!
Valerius Dcunha
Maker
@kyrylosilin Thanks! FinFloh is designed to be flexible, and we recognize that traditional credit metrics may not always apply to unique or niche industries. In such cases, we work closely with businesses to tailor our approach, incorporating industry-specific data points and operational insights. This allows us to build a more accurate risk profile that reflects the nuances of your industry. We do have case studies where businesses in niche markets have benefited from this tailored approach. For eg - one of our client in the technology sector was able to improve decision-making accuracy by leveraging custom risk indicators, leading to a 20% reduction in overdue payments. Happy to share more details :)
Subhasis Sahoo
Maker
@kyrylosilin - I would love to take this discussion forward, can you please help us with your email id or your linkedin profile?
Tony Han
Underwriting is a tough job and for many businesses it doesn't make sense to make it part of their product. I can see this is what FinFloh's value prop is. In one of our old business we used to rely on credit score and it's super risky. 1st party data from business and 3rd party data combined is the right way to go. The cool thing is this data get fed into your model somehow I assume - and the model just gets better which attract more customers like a flywheel. Congrats on the launch @iamartya and team!
Amartya
Maker
@tonyhanded Thanks. Yes, for accurate underwriting, combining business + market data is the way.
Subhasis Sahoo
Maker
@tonyhanded - Thank you for recognizing the complexities of underwriting and the value that FinFloh brings to the table! You're absolutely right—relying solely on traditional credit scores can be risky. By combining first-party data from businesses with third-party data, we ensure a more holistic credit risk assessment. Exactly as you pointed out, our machine learning model continuously learns and improves as more data flows through the system. This dynamic approach helps businesses make smarter credit decisions while reducing risk, creating that "flywheel effect" that attracts even more customers over time. We're all about making underwriting easier, more accurate, and scalable for businesses!
Tony Han
@subhasis_sahoo1 very cool!
Asher Dorian Thorne
@iamartya Amazing thought process behind FinFloh! Love how it combines AI with finance to make smarter decisions and boost cash flow. Kudos to you and your team for building such a powerful tool.
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Just checked out FinFloh Credit Decisioning AI, and it sounds super impressive! 🤖 The idea of using a machine learning algorithm for faster and smarter B2B credit decisions is a total game changer. It’s great to see tech making such an impact in the credit space. How does it integrate CRMs like Salesforce? Is the setup pretty straightforward? Excited to learn more!!
Amartya
Maker
@new_user__330202361305144c07d45c0 Thanks for your comment. Yes, Salesforce integration is sleek and seamless and transforms the onboarding flow.
Kavya Tripathi
Amazingg! Congratulations on the Launch! What was your motivation behind creating this product?
Amartya
Maker
@kavyaaatripathi Thanks! I and the finance teams I've worked with have faced a lot of challenges in accounting softwares. We see a lot of gaps like manual processes, lack of AI, no data usage, and costly developments. That pushed us to build use-case driven solutions for them like Credit Decisions, Accounts Receivable and Treasury.
Thierry Watelet
So you're saying this new AI can make credit decisions faster but are we really ready to trust a machine over experienced financial professionals, what happens when the AI makes a mistake, I think it's crucial to consider the risks before diving in, I'm cautious.
Subhasis Sahoo
Maker
Hi @curiousorator - We are not here to replace human intelligence, FinFloh's credit decisioning AI acts a co-pilot to help take faster and more accurate credit decisions. Our ML model takes market intelligence (credit agency scores, credit groups scores, etc) and also past payment behaviour of a buyer to determine a credit score. Based on this credit score, our AI-engine recommends ideal credit terms which reduces the overall risk of doing business both during customer onboarding and after. Reiterating, we are not here to replace human intelligence. We just enable humans to do their tasks 10x better and faster.
Valerius Dcunha
Maker
@curiousorator That’s a great point, and I completely understand your caution. While FinFloh’s AI is designed to make credit decisions faster by analyzing large amounts of data more efficiently than humans can, it’s not about replacing experienced financial professionals. Instead, it’s a tool to enhance their decision-making. FinFloh AI can quickly surface insights and flag potential risks, but the final decision is still in the hands of finance seller teams. We’ve found that combining human expertise with AI-driven insights leads to better outcomes overall. When it comes to mistakes, we’ve built in safeguards and allow for human review. If the AI flags something unusual, it can be manually adjusted or overridden by a financial professional. Ultimately, the goal is to reduce manual workload, speed up processes, and make more informed decisions—not to take over human judgment. We encourage businesses to start small, test the system, and ensure it complements their existing workflows.
Richard Song
Big congrats, @iamartya! FinFloh is truly a game-changer for finance teams. The integration with Salesforce and other ERPs is super impressive. How do you handle the training and onboarding for businesses to get up to speed with the system quickly?
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