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receivablesIQ Credit

Full credit risk scoring with trade references, bureau data integration, adjustable scoring weights, and Credit Policy Stance. Available as an add-on to any monthly plan.

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Tool 01 — Credit Intelligence

Credit Risk Scorer

Enter customer details, trade references, and bureau data to generate a risk score, recommended credit limit, and payment terms.

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Customer Name

Industry: — · Last analyzed: —

Business Profile

Customer Name

Industry / SIC Code

Business Structure

Years in Business

0 years

025+

Requested Credit Amount

$0$100K

Customer Type

New Customer

Existing Customer

Credit Policy Stance

Conservative

Prioritize receivables quality. Minimize credit risk and bad debt exposure.

Balanced

Grow revenue while maintaining acceptable loss thresholds.

Aggressive

Maximize sales velocity. Accept higher credit risk to capture market share.

Trade References

Reference 1

Creditor Name

Current Balance

High Credit

Terms

Amount Past Due

Pay Rating

Reference 2

Creditor Name

Current Balance

High Credit

Terms

Amount Past Due

Pay Rating

Reference 3

Creditor Name

Current Balance

High Credit

Terms

Amount Past Due

Pay Rating

Bank Reference

Bank Name

Account Type

Years with Bank

Approx. Balance Range

NSF History

Third-Party Credit Report (Optional)

Bureau Source

Enter scores from your own purchased report.

Report Date

Payment Score

Risk Rating

High Credit

Days Beyond Terms

⚠️ Requested credit exceeds bureau high credit by more than 25%. Review before approving.

Derogatory Public Records

Number of Records

Scoring Model Weights

Weights activate as each attribute is populated. A minimum of three attributes must be completed to run a score analysis.

Payment History—

Business Structure—

Trade References—

Years in Business—

Bank Reference—

Credit Report —

Total Weight 100%

Reset to defaults

🛡️ Conservative stance active. Credit limits tightened 15%. Score threshold for standard terms: 75+.

Analyzing risk profile...

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Risk Score

—

Confidence: —

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Recommended Credit Limit

—

Adjusted for risk + stance

Suggested Terms

—

Based on risk profile

Deposit Required

—

On first order

Confidence Score

—

Based on data completeness

Recommendations

Important Disclaimer The Credit Risk Scorer provides algorithmic recommendations for informational purposes only. Scores, credit limit suggestions, and risk assessments are not guarantees of creditworthiness or future payment behavior. receivablesIQ makes no representations or warranties regarding the accuracy of these outputs. You are solely responsible for any credit decisions made. receivablesIQ is not liable for any losses, bad debt, or financial harm resulting from reliance on these scores. Third-party credit bureau data is entered manually by the user. receivablesIQ does not pull, verify, or guarantee the accuracy of any bureau data entered.

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Collections Timeline

See exactly when to act on every overdue account. Available on Essentials and above.

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Available on Essentials and above

Tool 02 — AI Powered

Collections Timeline Modeler

Input your invoice details and customer profile. The model maps your optimal escalation path, estimated recovery probability, and projected cost of delay.

Invoice Details

Invoice Amount ($)

Days Outstanding How many days past invoice date?

Original Payment Terms

Customer Tier

Customer & Industry Context

Industry

Prior Collections Attempts

Dispute Raised by Customer?

Relationship Value

AI modeling your escalation path...

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Recovery Probability

—

Estimated Cost of Delay

—

Urgency Level

Recommended Escalation Path

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AR Health Gauges

Full portfolio health scoring across DSO, CEI, and aging exposure. Available on Professional and above.

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Available on Professional and above

Tool 03 — AI Powered

AR Health Dashboard

Enter your accounts receivable snapshot and get a comprehensive health score across four dimensions, benchmarked against your industry peers.

Your Business Profile

Industry

Annual Revenue ($)

Aging Bucket Balances Enter dollar amounts

Current (0–30 days)

31–60 Days

61–90 Days

91–120 Days

120+ Days

Total Credit Sales (period) Used to calculate DSO

Collections & Credit Process

Do you use a formal credit application?

Do you have a collections escalation process?

Average payment terms offered

Write-offs in the last 12 months

AI benchmarking your AR against industry peers...

Overall AR Health Score

— / 100

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Your DSO

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Industry Avg DSO

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% Current

Priority Action Items