Every credit file, analyzed under your policy. Your committee decides.
The agent receives the customer's file (statements, sales, debt, documentation), calculates the indicators, applies your credit policy and delivers the report for the committee in seconds. Every number is traced to the statement line it came from.
From the customer's credit file to the risk report, in seconds.
Receives statements and documentation as PDF, image or Excel, from any accounting firm and in any presentation format. It extracts, calculates and compares against your policy; your risk team receives the finished report.
- 01
Reads statements in any format
Income statement, balance sheet, cash flow and notes, however each firm presents them. No templates, no re-typing.
In the example Credit file · Litoral Agribusiness Inc. 2023–2025 statements · scanned PDF ✓ 3 fiscal years read - 02
Extracts and calculates the indicators
Liquidity, leverage, profitability, turnover and year-over-year evolution. Every number traced to the statement line it came from.
In the example Current ratio · 1.84 Debt ratio · 0.62 Return on sales · 14.2% - 03
Produces the score
Applies your credit policy and returns a score with its justification, warning signs and suggested limit. Limits above your threshold go to approval.
In the example Score 742 · low risk Suggested limit: $8.5M ! Over $5M → to credit committee - 04
Cross-checks external sources
Queries the central bank's debtor registry, tax status and other public sources to complete the profile and catch inconsistencies. Every query is logged.
In the example Credit bureau · no arrears Tax registration · active ✓ Queries logged · consistent with statements
Every action the agent takes, measured and logged in one panel.
Processed volume, accuracy, exceptions and cycle times, in real time and with alerts. Your team sees the same data we do.
- Files today
- 186
- Per file
- 40 s
- For committee
- 24
- Sources checked
- 4
Latest activity
- 15:38 File · Litoral Agribusiness Inc. email Score 742 · over threshold · to committee
- 15:36 File · customer 0381 email Score 615 · medium risk
- 15:33 File · customer 0927 email Missing a statement · to review
- 15:31 File · customer 0204 email Score 701 · low risk
- 15:28 File · customer 0566 email Score 688 · low risk
Volume per hour
24 were routed to your team for review or approval
Illustrative view with sample data
From discovery to production, with controls at every stage.
-
Process discovery
In an initial 30-minute call we map the real flow: what comes in, through which channel, which system it lands in and which rules and controls apply. With your team we define what the agent resolves on its own and what needs approval.
-
Design with permissions and controls
We connect the inbox or shared folder where credit files arrive, load your scoring policy and integrate it with your risk system or CRM. The agent works only with the permissions your IT team grants in each system, with approval thresholds your team defines and every action logged.
-
Production with monitoring
It goes live gradually, with human review at critical points. We measure accuracy, exceptions and cycle times every day, tune it every week, and every change is tested before it reaches production. One monthly fee per agent.
Credit requests answered the same day, with a uniform, auditable criterion.
From hours of manual entry to seconds per credit file.
Every ratio points to the statement line that produced it.
The same policy applied to every customer, with no variation between analysts.
More credit files assessed with the same risk team.
- The committee receives the finished report, with every number traced to its source.
- Early warnings: falling sales, growing debt, inconsistencies between sources.
- Scoring history per customer, ready for internal audit and for tracking their evolution.
- Your risk team analyzes and decides; the agent doesn't approve credit.
What we get asked most about the Credit Scoring Agent.
Does it use our credit policy or a generic one?
Yours. We load your criteria, thresholds and weights, and the agent applies them uniformly. If your policy changes, we update it and test the change before it reaches production.
What if a statement is incomplete or badly scanned?
The agent flags what is missing or what it couldn't read with confidence and hands it to your analyst with the rest of the report already built. It never makes up a number.
Who approves the credit, and how is each score audited?
Approval always rests with your team or committee, according to your thresholds. Every score is logged with the data it read, the policy rule it applied and who approved the decision.
How long until it's in production?
For a well-scoped flow, the first release reaches production in under 30 days, on your current systems. We start with the highest-volume case under close supervision and widen the scope with incremental releases.
What does the monthly fee include?
The agent in production, the infrastructure, the integrations with your systems, daily monitoring, weekly tuning under change control and support from our team. No hidden setup costs and no separate licenses.
Other agents we have built.
Let's assess your credit analysis process.
In 30 minutes we give the agent a real credit file, show you the report it returns and review how it would apply your policy and approval thresholds. No cost.