Bectran earned its place on the list by automating one of construction’s most persistent operational problems: credit management. As construction suppliers, manufacturers, wholesalers, and distributors take on more complex, multi-job customer relationships, manual job sheets and disconnected systems slow credit decisions, stall job approvals, drag out collections, and leave openings for fraud. Bectran replaces the spreadsheets and manual records many construction finance teams still work from today, automating credit decisioning and receivables management from the individual job, contractor, and subcontractor up through the full customer relationship. For finance teams, that means faster approvals on new jobs, fewer collection calls spent chasing down which job a payment applies to, and less time reconciling records by hand.