Member Spotlight — CreditProtect: Australia’s Next Gen Commercial Credit Reporting Bureau

In an environment shaped by economic uncertainty, rising payment risk and rapid digital transformation, CreditProtect has emerged as a powerful new entrant in Australia’s commercial credit reporting landscape. Launched in June 2025, the bureau is gaining strong attention for its modern, affordable technology, robust data foundations and experienced leadership, anchored by founder Colin Porter. 

Well known within the FinTech Australia community, Colin was the founder of CreditorWatch and Avenue Bank, an APRA regulated digital bank designed to support SMEs. CreditProtect represents the next evolution of his mission to build smarter and safer financial infrastructure for Australian businesses, supported by two decades of transforming industry gaps into trusted national platforms.

What Sets CreditProtect Apart

CreditProtect was created to further modernise commercial credit reporting through next generation technology, AI driven insights, broad data coverage and accessible pricing. Built from the ground up, not retrofitted from legacy systems, the platform is engineered on cloud native architecture that delivers speed, scalability and flexibility while keeping operating costs low. This structure enables rapid feature releases, real time responses to customer feedback and a pricing model designed to make high quality risk intelligence accessible to businesses of all sizes.

CreditProtect became the first to bring AI-driven credit insights to market globally with the launch of its AI Summary feature in October this year. Unlike traditional systems that provide AI as an add-on, the platform was purpose built with this capability at its core from day one.

Because the technology is embedded into the foundation of the platform, the insight layer goes well beyond a simplified overview, providing the depth and analytical value expected from an experienced credit analyst, delivered instantly, consistently, and at scale.

A key differentiator is CreditProtect’s strong data footprint, supported by a reciprocal data sharing agreement with illion, an Experian company. This two-way arrangement unlocks one of Australia’s largest commercial credit ecosystems and ensures customers receive a deep and reliable default data foundation. CreditProtect also operates under a deed with the ATO to receive ATO payment default data, significantly enhancing early warning capabilities for credit teams.

With the added strength of customer contributed data, comprehensive court actions, including Supreme Court data, ASIC intelligence and core financial indicators, CreditProtect offers the breadth and depth expected from a next generation bureau.

Importantly, CreditProtect pairs affordability with market leading coverage, made possible by the efficiency of its technology stack and operating model. From architecture to product roadmap, the platform is engineered for global expansion, ready to adapt quickly to new markets and cross border data ecosystems.

Driving Growth Through Technology and Trust

Growth in the credit bureau space relies on trust, in the data, in the technology and in the governance behind it. CreditProtect has embedded these principles from day one. Automation is integrated across the platform, including:

• Real time monitoring to detect emerging risks
• Intelligent filtering that prioritises critical alerts
• Smart workflows that reduce manual effort
• A modern UI and API ecosystem that makes data easy to consume and integrate

The result is a bureau that is fast, dependable, transparent and affordable, qualities that are already driving early adoption in market. 

Overcoming Industry Challenges

The market is shifting quickly. While traditional incumbents have laid important foundations, businesses now expect real time, intuitive and actionable data that mirrors the digital experiences they rely on elsewhere.

With economic volatility and rising payment pressures, businesses increasingly require credit solutions that are:

• Real time, not delayed

• Comprehensive, not fragmented

• Affordable, not cost prohibitive

• Actionable, not overwhelming

CreditProtect’s modern architecture allows for rapid ingestion, analysis and presentation of insights, enabling organisations to access timely and meaningful credit intelligence at a sustainable price point.

Recognition and Momentum

Since launch, CreditProtect has seen strong uptake across financial services, supply chain industries, professional services and commercial credit teams. This across market momentum highlights growing demand for affordable, data rich tools that provide clarity in a challenging operating environment.

CreditProtect has also received early approval from the trade credit insurance industry, a significant signal of trust and validation. For insurers, data accuracy and reliability are paramount, and their early support reinforces CreditProtect’s position as an agile, transparent and continuously improving bureau committed to strengthening credit risk practices across the country.

Looking Ahead

CreditProtect’s roadmap is ambitious and aligned with emerging trends in credit, payments and fraud prevention. Key developments underway include:

• Deeper automation and predictive modelling

• Expanded portfolio analytics

• Enhanced API connectivity

• New real time data sources

• More advanced monitoring capabilities

• Scalable enterprise tools with SME friendly pricing

Designed with a global footprint in mind, CreditProtect is engineered to scale seamlessly into international markets as demand grows.

A Commitment to Smarter and Safer Credit Risk

At its core, CreditProtect is built on a simple belief, that every business deserves access to high quality credit intelligence that empowers them to trade with confidence and get paid. Supported by modern technology, strong data partnerships and experienced leadership, CreditProtect is ready to help shape the next chapter of Australia’s commercial credit ecosystem and expand globally.

For FinTech Australia members, the message is clear, a new era of commercial credit reporting has arrived, and it is smarter, faster and built for the real world of modern business.