Trade credit at scale,so you can focus on sales.
1Centre helps businesses across all industries trade with trust. Our secure Trans-Tasman enterprise solution streamlines trade credit from onboarding to collections, with API capability and workflows you can adapt at the click of a button.
$0B
Total trade credit processed
0k+
Business customers onboarded
0★
Google reviews
Trusted by industry-leading enterprises across Australia and New Zealand
Build trade credit workflows on everything your business knows.
Go beyond a form. 1Centre brings the context, integrations and controls to run trade credit the way your business does — from sales channels to accounts to 24/7 surveillance.
Open trade accounts from the counter, the web, your reps or your ERP. We've got you!
Every channel lands as one checked application, verified before it reaches your team.
Account opened
$40,000 · 30-day
● Ready to trade
Write your own credit rules — and let them decide for you
Pricing approvals, Auto decisioning, or Delegated Lending Authorities - workflows customisable by you.
Fast-track small accounts · Rule 04
Auto-decisionOffOnIncoming application
Acme Building Supplies
- Requested limit
- $18,000
- Trade score
- 684
- ID verified
- Yes
Rule 04 · all conditions met
Know the moment a customer's risk changes
24/7 Surveillance software keeps watch of incoming and ongoing threats.
Chase overdue accounts automatically — in words you've approved
Identify overdue accounts, prioritise collection activity triggering appropriate automated workflow.
Starts at 7+ days overdue
To accounts@northbridge.co.nzSending …● Delivered● Opened
Subject Your account with Harbour Supply is 7 days overdue
Hi {Customer name}Sam,
Invoice {Invoice}INV-12810 for {Amount}$12,480.00 is now 7 days past due. If it's already on its way, thank you.
Sent today
External API and Webhook integration directly into your systems
Webhooks push approvals, alerts and PPSR registrations to your ERP the moment they happen; the External API lets your systems pull and update whenever they need.
Event
application_approved
POST
https://erp.example.com/1centre
Content-Type: application/json
Authorization: Bearer ••••
sending …Delivered · 200 OK
{ "data": {
"id": "f3c9a1d2-…",
"attributes": {
—"application_status": "Approved",
—"entity_type": "Company",
—"company_name": "Acme Building Supplies Ltd",
—"business_number": "9429041823001",
—"approved_limit": 4000000,
—"currency": "NZD",
—"date_account_opened": "2026-09-15T09:31:04Z"
}
} }
Know who you're giving credit to — verified before they sign
eSignature, identity verification, AML/KYC, document authentication and biometrics, run in one flow while the customer applies.
DRIVER LICENCE
SMITH, JOHN
•••• •••• DOB ••/••/••••
Selfie + liveness
Hold still …● Live person
Suppliers prefer 1Centre.
A new class of credit agents
Expert-built workflows for real trade
Designed with credit teams and connected to the registries, bureaux, address verification and more.
Multi-bureau, zero lock-in
Integrations that actually integrate
Equifax NZCentrix NZCreditWorks NZEquifax AUIllion AUMulti-bureau integration to give you choice and flexibility - hard and soft copies on file.
Unity across applications, files & registries
Works with everything you already use
1Centre ingests applications, identity documents, trade references, guarantees and registry records — and makes them instantly usable.
The foundation
Security you can trust. Compliance you can prove.
Encryption, access controls and continuous monitoring — on the journey to ISO/IEC 27001 certification.
The 1Centre product suite
One unified workspace. Endless credit capability.
Applications, decisioning, Watchtower, PPSR, direct debit and cards — working together like one credit office.
Your customers' credit file, finally organised
All knowledge in one place
Every application, guarantee, decision and signal filed against the account — searchable, permissioned, audit-ready.
Decisions that leave paper behind
Consistent across every branch and shift
Time to decision
Policy-driven decisions replace the spreadsheet, the phone call and the gut feel — with the reasoning recorded.
Every account, one record
From first order to final statement
Account updates, Account reviews, 24/7 surveillance and payment history live on every unique Virtual Credit File.
Open.
Applications arrive complete — checked against the registry, the credit bureau and the applicant's own ID before anyone picks them up.
Every sales channel, one flow
From the counter in store, your sales rep on the road or your website — every application lands in the same workflow.
Apply for a trade account
Business name
Kauri Timber Supplies Ltd
NZBN
Looked up
Trade references
2 added
Step 3 of 4
Verify your identity
Scan the front of your licence
Customers apply on phone or desktop
A branded application that works on any device, with company lookups and directors pulled in as they type.
Kauri Timber Supplies Ltd
- Bureau result within policy
- ID verified for both directors
- Guarantee signed
- Limit set by tier
Inside your rules → approved in the flow. Outside them → referred, with the reason.
Auto-decisioning, within your policy
Applications inside your rules are approved in the flow. Anything outside them goes to the right person, with the reasons attached.
Built for the trade counter
Open the account while they're still at the counter.
Your customer applies on their phone. Identity, company and credit are checked in the flow, and a clear application is approved before they've loaded the ute.
$25,000
Trade account limit · 30-day terms
Checks
- Company registry
- Identity & liveness
- Credit bureau
- Guarantee signed
All clear
Decide.
Write your credit policy once. 1Centre applies it to every application and sends the exceptions to the right person, with the reason attached.
Grow the ledger. Shrink the paperwork.
Build the credit policy once, then let every branch in Australia and New Zealand run it the same way.
When
An application is submitted
If
Requested limit ≥ $50,000
Require
Credit manager + Director guarantee
Notify
Branch manager
Policy as a workflow
Set the triggers, thresholds and sign-offs in plain language. Every application follows the same path, with nothing to remember.
- AucklandTrade account
- SydneyGuarantee signed
- MelbourneLimit set
- ChristchurchPPSR registered
One process, both sides of the Tasman
NZ and AU registries, bureaus and PPSR are built in, so a branch in Christchurch runs the same checks as one in Sydney.
More visibility, less chasing.
Approvals route themselves by rule, and customers are nudged to finish what's missing — so your team isn't the reminder service.
Simplify approvals
Set who signs off on what. Bigger limits climb the chain automatically, and everyone sees where each application sits.
Approval rule
ActiveIf Requested limit is > $50,000
then require approvals from
- Approved
Branch manager
Tama W.
- Approved
Credit manager
Priya S.
- Reviewing
Head of credit
Jordan L.
- Next
Finance
Alex M.
Focus on your work, not follow-ups
When a signature or document is missing, 1Centre asks the customer for it and picks up where they left off.
1Centre
Text message
Today 9:12 am
9:31 am
Watch.
Watching 24/7
Approval is where the relationship starts. Every account stays under 24/7 surveillance for as long as it trades.
LiveWatchtower
Canterbury Ag · Seasonal account
New director added to the company. Guarantee on file still covers the account.
Watchtower
Seasonal accounts, watched all year.
A customer who buys twice a year still changes directors, takes on debt and moves address. Watchtower keeps an eye on every live account and tells you when something that matters changes.
How Watchtower worksWatchtower
Know what's around the corner on every account
Watchtower keeps watch on approved accounts and flags the moment risk moves — not at the next annual review.
How Watchtower works- Repeat applicationsTasman Roofing Ltd1Centre4m ago
- Credit score decreaseKauri Timber Supplies LtdEquifax12m ago
- Identical directorsHarbourline Fit-Out Ltd1Centre41m ago
- Identical IP addressesPinecrest Joinery Ltd1Centre2h ago
Repeat applications
Tasman Roofing Ltd
- Source
- 1Centre
- Raised
- 4m ago
Recently actioned
- Change of key person/sNorthbridge Civil LtdActioned26m ago
- Liquidation (AU)Redgum Freight Pty LtdUndesirable1h ago
- Unusual application timeRiverstone Concrete LtdActioned2h ago
1,248 accounts watched · 24/7
Where 1Centre powers
trade credit workflows
From the trade counter to the finance desk, 1Centre turns applications into verified, monitored accounts across the industries that run on credit.
Open accounts on site, before the first delivery — without the counter becoming a bottleneck.
Explore Building & Construction
Prove.
Every account keeps its own audit trail — what was checked, who decided, and the evidence behind it. Ready when an auditor, a lender or a court asks.
Identity, liveness & AML
Prove who they are, before they sign.
Every director, guarantor and signatory proves who they are inside the application, on their own phone — the document authenticated, their face matched to a live selfie, and AML / KYC checks run — before anyone signs.
Scan the front of your licence
Hold steady — we'll capture automatically
SMITH
John
Date of birth
14 · 03 · 1986
Licence no.
DL 482 913
Identity verified
- Document authentic
- Face match
- Liveness
- AML / KYC
Face match
Match
LiveLiveness confirmed
AML / KYC screen
- Identity confirmed
- Watchlists screened
- Result saved to file
Document authentication
Licences and passports read front and back, and checked for the marks of a genuine document.
Face match & liveness
A live selfie — a real person, there and then — matched to the photo on the document.
AML / KYC
Each person screened as part of the application, not chased afterwards.
On the record
Every result saved to the Virtual Credit File, ready at decision time.
Virtual Credit File
Every check, decision and signal. One record.
Identity, bureau, registry, approvals, guarantees and every Watchtower signal since — kept in order on the account, with the evidence behind each.
Audit trail
Application submitted
12 Mar 2026 · 09:14 · Applicant · mobile
Signed application
Company verified
09:14 · 1Centre
NZ Companies Office
Director identity & liveness
09:15 · 1Centre
Licence + live selfie
Credit report retrieved
09:15 · 1Centre
Equifax · score 742
Approved · $25,000, 30-day terms
09:16 · Policy rule 2 · auto
Credit policy v4
Personal guarantee signed
09:18 · J. Smith
E-signature · IP logged
Security registered
09:18 · 1Centre
PPSR · FS 5402…
Director change flagged
14 Aug 2026 · 16:02 · Watchtower
Companies Office
Reviewed — limit kept
14 Aug 2026 · 16:40 · A. Rangi · Credit manager
Note attached
Don’t take our word for it.
Suppliers across New Zealand and Australia run their trade credit on 1Centre. Here’s what changed for them.
- Total trade credit processed
- $24.9B
- Business customers onboarded
- 350k+
Used this to apply for a business account at officemax and it took less than 5 minutes and was approved within 2. Super easy service
So simple to sign up with TWL - took 3 minutes. Their (complex & time consuming) paper application had been sitting on my desk for well over a year!
It was super clear, quick, and easy, to fill in an onboarding form on the OfficeMax website. I like how it pulls in some of the NZBN details from the NZBN website directly… ID photo upload was also really quick compared to what I have experienced on NZ govt websites.
The application form was very easy to fill out and not time-consuming at all. The whole process was quick and straightforward—very happy with the experience!
Easy to use software - clear intuitive questions & great layout
UI is very easy to navigate. Very fast and easy questions.
Excellent process, fast, efficient, clear and simple
Great application process platform. Fast and easy.
Great system. Works well. Very happy.
Trade account application
BeforePaper form, posted or emailedWith 1CentreDigital, from any deviceResultFaster to first order
Guarantor & identity
BeforeManual ID checksWith 1CentreBiometric + registry verifiedResultFraud caught up-front
Credit decision
BeforeSpreadsheet and judgementWith 1CentrePolicy-driven, hierarchicalResultConsistent decisions
PPSR registration
BeforeSeparate portal, laterWith 1CentreRegistered in the flowResultSecurity never missed
Risk monitoring
BeforeAnnual reviewWith 1CentreContinuous WatchtowerResultSignals surface early
Collections
BeforeChasing statementsWith 1CentreDirect debit agreed at onboardingResultPaid as agreed
Have questions? Find answers.
From any device - the counter in store, your sales rep or your website you have options. Identity verification, guarantees, trade reference checking and much more captured in the workflows.
Any more questions? Contact us
See 1Centre in action.
A thirty minute walkthrough of how you can set up your entire organisation on the one platform - no builds required.