Malaysia's Leading Credit Management Solution
CTOS Credit Manager™ is the flagship credit management solution designed for businesses. This interactive platform enables you to check prospects' credit profiles, monitor customers' financial backgrounds, and encourage better repayments to reduce business credit risk, helping save time and costs.
Trusted by 20,000+ Malaysian SMEs and Businesses for Smarter Credit Decisions
As Malaysia's leading credit insights provider, CTOS continues to set the standard in empowering financial decisions across all sectors.
Certified
Certification Body
Licensed Agency
Listed (5301)
Achieve Smarter Credit Management In 3 Steps
Evaluate Customers
New Customer / Business Partner
Perform credit searches and pre-screenings on new and existing customers. Accessible information includes:
- ROC / ROB / LLP profile
- Directors / Shareholders / Ultimate Beneficial Owner
- Financials, banking records
- Litigation
- Electronic Trade Reference (eTR) and more
Monitor Customers
Unknown Person Becomes Customer / Business Partner
Monitor your credit files to get notified if there are changes in your customers' credit profiles. Get automated updates whenever there are changes in:
- Financials
- Directorship / Ownership
- Bankruptcy records
- Litigation and legal matters
- Winding-up proceedings
- Electronic Trade Reference (eTR)
Reinforce Good Payment Behaviour
Customer Owes Money But Doesn't Pay Up
Tap into Malaysia's largest credit management network to limit debtors' access to loans and credit.
- Submit and share debtor info with other CTOS users
- Digital, peer-to-peer "report card" on a business's reliability in paying its commercial debts
Your Key Benefits
Client Testimonials And Success Stories
Business owners and executives across various industries in Malaysia share their experience using CTOS to safeguard their operations.
Using CTOS Credit Manager gives us the confidence to do business — we can screen every prospect and steer clear of risks we'd otherwise never see coming.
CTOS lets us properly screen our drivers upfront, so we're able to reject the errant ones before they become a problem.
Evaluating our customers through CTOS has become an integral part of how we run our core business.
It's so easy to use — within minutes I can go online and pull up financial information, equity ownership details, litigation records, and trade references.
Using CTOS eTR and the Credit Manager monitoring suite, we recovered a total of RM40,000 in outstanding debt from three different companies.
How We Help You Make Smarter Business Decisions
CTOS provides reliable insights and advanced tools to make smarter decisions.
Risk Assessment
Enhanced Decision-Making: Uncover supplier payment trends and mitigate risks before they escalate.
Fraud Detection
Risk Mitigation: Identify and stop fraudulent activities quickly.
Targeted Prospecting
Higher Conversion Rates: Focus on high-value prospects to close deals faster and smarter.
Frequently Asked Questions
General 3
What is CTOS Credit Manager?
CTOS Credit Manager is a web-based business credit management platform that helps companies evaluate customers, monitor credit risk, and encourage better payment behaviour. It provides access to comprehensive business and individual credit information, allowing businesses to make informed credit decisions and reduce the risk of bad debt.
Who is CTOS Credit Manager for?
CTOS Credit Manager is suitable for businesses of all sizes, including:
- SMEs
- Corporations
- Financial institutions
- Suppliers and wholesalers
- Property developers
- Manufacturers
- Service providers
- Businesses offering credit terms
Any company that needs to assess customer risk before extending credit can benefit from the platform.
How does CTOS Credit Manager help my business?
CTOS Credit Manager supports businesses throughout the customer lifecycle by helping you:
- Evaluate new customers before extending credit
- Monitor existing customers for changes in financial health
- Strengthen debt recovery through CTOS eTR (Electronic Trade Reference)
This helps reduce business risk while improving cash flow and operational efficiency.
Credit Reports 3
What information can I access through CTOS Credit Manager?
Depending on the report selected, you may access information such as:
- Company profile (SSM/ROC/ROB)
- Directors, shareholders and Ultimate Beneficial Owner
- Financial statements
- Banking payment history (CCRIS, where applicable)
- Legal cases and litigation
- Bankruptcy information
- Winding-up records
- Trade references (eTR)
- Business interests
- Credit scores and risk indicators
Available information varies according to the report type and eligibility requirements.
What types of reports are available?
CTOS Credit Manager offers access to various reports, including:
- CTOS Report
- CTOS Lite Report
- CTOS Score Report
- CTOS SME Score Report
- SSM/CCM Reports
- International Business Report
- Bankruptcy (MDI) Report
- Litigation (E-Court) Report
- Land Title Search
- KYC Screening
- Monitoring Report
Report availability depends on your subscription package.
Can I search for both companies and individuals?
Yes. Depending on the report purchased, you can perform searches on:
- Companies
- Sole proprietors
- Partnerships
- Individuals
The available information differs based on the entity type and applicable regulations.
Customer Monitoring 3
What is credit monitoring?
Credit monitoring automatically tracks selected customers or business partners and notifies you whenever significant changes occur in their credit profile. This allows businesses to respond proactively before financial issues become major risks.
What changes can CTOS Credit Manager monitor?
You can receive alerts for changes such as:
- Financial updates
- Directorship changes
- Ownership changes
- New legal cases
- Bankruptcy status
- Winding-up proceedings
- Electronic Trade Reference (eTR) updates
Notifications are delivered automatically, helping businesses stay informed without conducting repeated manual searches.
Why should I monitor existing customers?
A customer's financial position can change over time. Ongoing monitoring helps businesses:
- Detect early warning signs
- Review credit limits
- Reduce overdue payments
- Protect cash flow
- Make timely business decisions
Debt Recovery 2
What is CTOS eTR?
CTOS Electronic Trade Reference (eTR) is a platform that allows participating businesses to share non-banking payment information about customers who have outstanding commercial debts. It promotes responsible payment behaviour while supporting debt recovery efforts among participating businesses.
How can CTOS eTR help improve collections?
Submitting debtor information through CTOS eTR encourages customers to resolve outstanding payments, as businesses within the CTOS network may consider trade payment history during future credit evaluations.
Features & Platform 3
Is CTOS Credit Manager cloud-based?
Yes. CTOS Credit Manager is a secure web-based platform that allows authorised users to access reports and manage customer information online, anytime and anywhere with an internet connection.
Can I access CTOS Credit Manager on mobile devices?
Yes. CTOS offers Credit Manager Xpress, a mobile-first version that enables subscribers to perform key credit management tasks conveniently while on the move. Existing Credit Manager subscribers can switch between the standard platform and Xpress seamlessly.
Does CTOS Credit Manager store my customer searches?
Yes. The platform allows businesses to search, store, monitor and manage customer information within one centralised platform, making ongoing customer management more efficient.
Subscription 2
Is training provided?
Yes. CTOS provides product training to help businesses maximise the value of the platform and understand how to use the available reports effectively.
How do I subscribe?
You can request a consultation or demonstration through CTOS. A representative will recommend the most suitable subscription package based on your business needs.
Best Practices 2
When should I run a credit check?
It is recommended to conduct a credit check:
- Before onboarding a new customer
- Before approving higher credit limits
- Before signing major contracts
- Before appointing suppliers or distributors
- Periodically for existing customers
Regular credit reviews help minimise business risk.
Can CTOS Credit Manager replace my internal credit approval process?
No. CTOS Credit Manager is designed to complement your existing credit assessment process by providing additional insights. Businesses should continue to consider factors such as:
- Payment history
- Business relationship
- Industry conditions
- Financial performance
- Internal credit policies
Using multiple sources of information leads to better credit decisions.
Start Making Smarter Credit Decisions
Learn how CTOS Credit Manager™ can help your business evaluate customers, monitor risk, and reinforce better payment behaviour. Click below to open the form and our team will contact you.
Book Free Demo