Credit Agent: smarter limits, earlier warnings.
Most credit decisions are made once, at onboarding, and rarely revisited. AVA reviews every customer continuously, using their payment history and Payment Graph signals to recommend limits and terms, and warns you the moment an account starts to look risky.
AVA on credit today
AVA working- 7:00 AMQuarterly credit review completed for 48 accounts
- 8:30 AMNew customer Orchard Supply scored, $25,000 limit recommended
- 11:15 AMRisk alert: Summit Partners paying 9 days slower across the network
- 3:40 PMOrder from Delta Logistics held, would exceed approved limit
How AVA runs credit.
- 1
Scores new customers.
When a new account is created, AVA gathers trade history and Payment Graph data to recommend an opening credit limit and terms.
- 2
Reviews existing accounts.
On the schedule you set, AVA re-evaluates every customer's limit against how they actually pay, so limits keep pace with reality.
- 3
Watches for risk.
Slower payments, partial pays, broken promises, and method changes are flagged as they happen, with the reasoning behind each alert.
- 4
Enforces your policy.
AVA flags orders and invoices that would push an account over its limit and routes limit changes to the right approver.
Credit management, always up to date.
The diligence of a credit analyst, applied to every customer, every day.
Automated credit reviews
Scheduled and event-driven reviews of every account, with a clear recommendation and the data behind it.
Credit limit recommendations
Suggested limits and terms based on payment behavior, exposure, and network-wide patterns.
Payment Graph signals
See how a customer pays other businesses across a network of 22 million companies, not just how they pay you.
Risk alerts
Get notified when a customer's behavior shifts, before a slowdown turns into a write-off.
Credit holds
Flag or hold orders that would exceed an approved limit, with overrides for the people you authorize.
Approval workflows
Route new limits and increases to the right approver based on amount, customer, or risk level.
AVA does the work. You set the rules.
AVA handles
- Scoring new customers at onboarding
- Reviewing limits on your schedule
- Monitoring accounts for risk signals
- Flagging orders that exceed limits
- Documenting every recommendation
You decide
- Your credit policy and risk tolerance
- Who approves new limits and increases
- How often accounts are reviewed
- When orders are held versus flagged
- Who receives risk alerts and how
A limit adjusted before it hurt
A reliable customer starts paying a little later each month while their orders grow.
- Month 1
Subtle shift
Payments arrive 4 days later than usual, and Payment Graph shows similar slowing with other suppliers.
- Month 2
Risk alert sent
AVA alerts your credit manager with the payment trend, current exposure, and a recommended limit reduction.
- Approved
Limit updated
Your credit manager approves the new limit in one click and AVA updates it in your ERP.
- Next order
Exposure contained
A large order that would exceed the new limit is flagged for prepayment instead of shipping on open terms.
The rest of the AR lifecycle
Frequently asked questions
Where does AVA get credit data?
From your own payment history with each customer, combined with Payment Graph patterns showing how that business pays across the network.
Can AVA change credit limits on her own?
Only if you allow it, within thresholds you set. By default, AVA recommends limits and routes them to your approver.
Does the Credit Agent replace my credit policy?
No. AVA applies the policy you define consistently across every account, and documents the reasoning behind each recommendation.
How does this work with collections?
Risk signals from the Credit Agent inform how the Collections Agent prioritizes accounts, so at-risk balances get attention sooner.
Extend credit with confidence.
See how AVA would score and monitor your current customers.