Faster Sales

Speed up your onboarding process to shorten the timeframe from introduction to order. We transform your customer onboarding process by providing instant credit decisions. Cogent technology enables you to sign up new customers in real time covering all KYC and AML requirements.

  • Sign and Sell
  • Instant Checks
  • Real-Time Decisions

Better Oversight

Cogent technology enables you to monitor every client, every day looking for any signs of credit deterioration. We can seamlessly plug into weaker client's accounting software or bank accounts to have a live view of liquidity. You receive automated alerts of changes in clients' risk profiles or negative news events because even good clients can go bad. We provide risk reporting for credit and senior management in a way excel based systems never could.

  • Real-Time Monitoring
  • Alerts
  • Better Reporting

Smart Risk

Cogent was built to balance the inevitable tension between maximising revenue and minimising bad debt. We understand that it's easy to say no, much harder to design a system to say yes as much as possible. The system is based on best practice of numerous financial risk taking entities and has been developed over years. Cogent decisioning constantly learns from its own decision outcomes and the payment profiles of UK businesses.

  • Profit Focused
  • Proven Methodology
  • Learning Model
Verification
Cogent goes beyond basic KYC and endeavours to make the approval and verification process as secure and robust as possible
Paperless Processing
We transform your customer experience from onboarding to collection
Cloud Platform
The Cogent platform is cloud based: access it anytime, anywhere
Client Monitoring
We monitor every client, every day and factor in any financial changes or news
Reporting
The system has been designed to summarise the credit quality of clients and portfolios of clients in a fresh and clear way
Machine Learning
The Cogent system plugs into multiple data sources to verify customers and quantify their trade credit risk

Your Business + Big Data

250 Thousand+
Businesses
10 Million+
Data Points
£100 Billion+
Sector Turnover

Serving Every Division


Why SaaS?

Your Questions Answered

Yes, for enterprise clients we can plug into your ERP system or allow for access into other management systems.
Yes. We have spent time with lawyers to ensure everything is compliant with all regulations.
We organise direct debits, auto communications and follow-up in the case of payment failure.
The forms and communications that your clients see are branded with your logo and colours.
It is encrypted and stored on high spec servers.