Credit Agent

A Credit Agent is a working agent in the Finance family that assesses the creditworthiness of every outlet and distributor you sell to on terms, and keeps that assessment current as their behavior changes. It reads order history, invoice aging, payment patterns, returns and deduction activity, and current open balance off the ConnectX data layer, then produces a live credit score and a recommended credit limit per account — instead of a static limit that was set once at onboarding and never revisited.

In the field, the Credit Agent does the job a credit controller does, at the scale of your whole route book. When a rep or the Order Agent tries to place an order that would push an outlet past its limit or extend terms to an account that has slipped into chronic late payment, the Credit Agent flags it at order entry — before the truck is loaded — and proposes the next action: hold for prepayment, reduce the order, shorten terms, or release with approval. It watches for early-warning signals too, the ones a quarterly review misses: an account that suddenly stretches from net-30 to net-50, a distributor whose order volume drops while open balance climbs, a cluster of outlets in one territory aging together. Each call lands in the activity feed with the data behind it, so a human credit manager can see why an account was downgraded and override when they have context the data doesn't.

Because it runs on the same data model as the rest of the route to market, the Credit Agent doesn't need a separate reconciliation against your sales and delivery records — it is already looking at them. It hands clean exposure signals to the rest of the Finance family: settlements and deductions feed back into the score, so an outlet that is chronically short-paying or claiming invalid deductions shows up as elevated risk, not just as an accounting line item.