Business Credit Monitoring for the Clients You Already Have

A client that looked solid at signing can change in a quarter. The company misses its annual report and the state dissolves it, the domain lapses, the mail records disappear, or another vendor files a documented report of an unpaid invoice. ClientVetter watches every client on your monitored list and emails you the day one of those signals moves, with the reason and the source, so you can adjust terms before the next invoice goes out.

Windowsill in an agency office with a phone face down, a notebook and a plant, city street outside

A check at signing is only the first look

Most unpaid invoices do not come from clients who were risky on day one. They come from clients whose situation changed while you were busy delivering the work. A retainer that ran fine for eight months can turn into two late payments and silence, and the public record often showed the shift weeks earlier.

Traditional business credit monitoring tracks a trade credit file built for lenders and suppliers of goods. That file is often thin or empty for small agencies, startups and online businesses, which are exactly the clients most service providers work with. ClientVetter watches the signals that exist for those companies too: registry records, domain and mail setup, public dispute mentions, sanctions lists and the shared database of documented reports about non paying clients.

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Signals ClientVetter keeps an eye on

Each monitored client is rechecked on a regular schedule against the same public sources used in the full report. When a value changes, you get an alert that says what changed, what it was before, and why it matters for payment risk.

Registry status in the state of formation, for example a move from active to administratively dissolved, forfeited or revoked, plus changes of registered agent
Domain registration records (RDAP), including an approaching expiry date or a change of registration
Website reachability and HTTPS, so you notice when the client's site stops answering
Mail records (MX, SPF, DMARC), which tend to disappear when a business winds down
New public court or news mentions tied to unpaid vendors, liens or lawsuits, in a business capacity only
New documented non-payment reports from other members, and any reply or dispute from the reported company
Matches of the company name or its listed principals against the OFAC SDN list and other government sanctions lists

What an alert looks like

An alert is a short message with the client name, the changed signal, the old and new value, the source link and the updated score band. If the band moves from Low to Watch or from Watch to High, the alert also repeats the suggested terms for the new band, such as a deposit before the next milestone or shorter payment terms. Suggested terms are practical guidance, not legal or financial advice.

Check a client

Freelancer at a bright kitchen table reading a printed client report with a highlighted paragraph, pencil in hand, tea and a closed laptop beside her

Add clients once, then let the list run

Any client you check can be added to monitoring with one click from its report. Agencies usually add every active account at onboarding and remove it when the engagement ends. Removing a client from the list frees the slot for another one right away, because monitored clients are counted as a list, not as used checks.

Alerts go where your team already looks. Every plan includes email alerts, Team adds Slack, Agency adds a webhook for your own tools, and Enterprise adds API access on top. If you want a refresher on the first check itself, read how to vet a client or the client due diligence checklist.

Monitoring limits by plan

Plan	Monitored clients	Alerts	Price billed yearly
Starter	10	Email	$24/mo ($288/yr)
Team	50	Email and Slack	$64/mo ($768/yr)
Agency	250	Email, Slack, webhook	$149/mo ($1,788/yr)
Enterprise	1,000	All channels plus API	$399/mo ($4,788/yr)

Monthly billing is $49, $129, $299 and $799. Yearly billing saves 50%. Full client checks reset each billing period, and deleting a report does not return a check. See ClientVetter pricing for every limit.

See pricing

What monitoring does not do

ClientVetter does not pull consumer credit files and does not watch individuals in their private lives. People appear only in their role at a business, for example as a listed officer checked against sanctions lists. Reports are not consumer reports and may not be used for decisions about an individual's credit, insurance, employment or housing. The fcra compliant background check page explains the permitted use in plain words.

Monitoring is also private. The client is never told that you added it to a list. The only time a company hears from us is when a member files a non-payment report about it, so it can reply.

Is this the same as a bureau business credit file?

No. A bureau file tracks trade lines and payment history reported by suppliers of goods. ClientVetter monitors public registry, domain, mail, dispute and sanctions signals plus documented member reports, which works for small and young companies that have no trade file. If you need the bureau view as well, the business credit report page explains when each one fits.

How often are monitored clients rechecked?

Every monitored client is rechecked on a recurring schedule, and an alert goes out the moment a recheck finds a change. You do not need to rerun the full report to stay current.

Does monitoring use up my monthly checks?

No. Monitored clients have their own limit per plan. A full check counts against your monthly checks, and adding that client to monitoring afterwards does not use another one.

Will the client know I am monitoring them?

No. Checks and monitoring are private to your account. Only a non-payment report triggers a notice to the reported business.

Electrical contractor in work clothes at a counter in his workshop office at dusk, sliding a new client's printed proposal into a kraft folder next to a clipboard and a mug

Keep watching the clients who owe you money

Add your active clients today and hear about a dissolved registration, a lapsed domain or a new unpaid invoice report before you send the next invoice.