Monk pairs the payment behavior it sees from running your collections with the credit or commercial data you connect, and generates a credit report with a suggested limit in seconds.

NEW YORK, Sept. 3, 2026 /PRNewswire/ — Every finance team has extended credit to a customer that looked fine on paper, then watched the invoice slide 60 days past due. The warning was usually there the whole time, from customer payment history, but no one was looking.

Today, Monk, the AI-native accounts receivable platform, is making Credit Management available, built on a simple idea: the best predictor of whether a customer will pay you is how they already pay you.

Credit is one of the last finance decisions still made on instinct. About 55% of B2B invoiced sales in the United States are paid late, yet most teams set a credit limit once at onboarding, from a bureau report and a spreadsheet, and revisit it a year later, if at all.

What did Monk announce?

Credit Management lives on the customer page and brings two views of a customer’s risk into one place.

The inside view is how the customer pays you. Because Monk runs your collections and connects to your ERP and bank, it sees days to pay, disputes, and short pays, with the full history behind them. No credit bureau has this, and it is the strongest signal of future risk.

The outside view is yours to choose. You connect the credit bureau or commercial data provider you already work with, Monk stays agnostic, and it brings that view in alongside your own.

Monk combines both and generates a credit report with a suggested limit, so a finance leader makes the call in seconds instead of pulling a bureau report in one tab and payment history in another. Monk’s AI agent suggests the limit; a person decides.

Quote

“Every credit decision is a bet on whether someone pays you back. The best information for that bet is how they have paid you before, and it is already yours. We just put it to work.” said George Kurdin, CEO and cofounder of Monk.

Availability

Credit Management is available now for all Monk customers.

More than $2 billion in receivables run on Monk today, and customers see a 40% average reduction in DSO. Monk is SOC 2 Type II.

Watch the announcement: https://youtu.be/Gij98xK-4O0 

Learn more: https://monk.com/blog/credit-management-workspace 

About Monk

Monk is a modern, AI-native accounts receivable platform that helps businesses get paid faster. Monk automates collections with AI agents, applies incoming cash automatically, gives every customer a self-serve Payment Hub, and now brings credit decisions onto the same platform, combining a customer’s payment behavior with the external data a team chooses to connect. More than $2 billion in receivables run on Monk today. Learn more at monk.com.

Press contact: Kendall Warson, kendall@monk.com 

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SOURCE Monk