An AI credit risk check agent collects the credit information available to your team, such as scores or reports from a provider you use, public filings and any payment experience in your own records.
Agent gathers supplier identity and credit data on file.
Agent requests the credit report from the chosen source.
Agent reads scores, limits and payment behaviour.
Credit or finance lead judges the level of risk.
Recommended terms are recorded for review.
Agent flags later changes in the report.
It sets those signals against the size of your exposure, for example prepayments, deposits or long contract terms, and highlights where the exposure is large compared with the supplier's standing.
It flags adverse items such as late filings, legal claims, liens or sudden changes in a score, and drafts a short note for a finance reviewer.
Credit data is spread across providers and records, and its meaning depends on how much your company stands to lose if the supplier fails.
Scores, filings and your own payment history are rarely seen together.
Prepayments and deposits create credit risk for the buyer, but are not always linked to the check.
A score from last year may not reflect current position.
New or private suppliers have little credit history to read.
Different buyers apply different tolerance with no shared rule.
Reports, filings and your own payment records are gathered for the supplier.
The agent estimates what you could lose from prepayments, deposits and contract length, using the request and contract data.
Signals and exposure are compared with the tolerance your finance team has set.
Late filings, claims and score changes are listed with dates and sources.
A short note with the signals and open questions goes to the finance reviewer.
Bring a small sample and watch Flo work through it.
| Aspect | By hand | With the agent |
|---|---|---|
| Source | Credit checks come from varied places. | Agent uses the chosen credit source and records which one. |
| Reading | Reports are read selectively. | Agent pulls score, limit and payment trends into one view. |
| Terms | Payment terms are set by habit. | Agent proposes terms for review based on the credit view. |
| Exposure | Planned spend is not compared with credit view. | Agent shows planned spend beside the credit picture. |
| Change | A deterioration goes unseen. | Agent can flag later changes in the report. |
| If | Then | Who decides |
|---|---|---|
| the credit view is weak and spend is high | flag exposure | Credit lead |
| payment behaviour shows late payments to others | show it in the summary | Credit lead |
| no credit data exists for the entity | record it and suggest other evidence | Credit lead |
| a legal action is noted | put it first in the summary | Credit lead |
| the supplier would be paid in advance | flag prepayment risk for review | Credit lead |
| the view is sound | draft standard terms for confirmation | Credit lead |
Where little data exists the agent states it and suggests asking for other evidence. The credit lead decides.
The agent shows both and the date of each. The lead decides which to trust.
If the supplier challenges an entry, the agent attaches the response. The lead weighs it.
The agent records the guarantee and asks legal to review. The credit lead decides if it changes the view.
Talk it through with the team. We will map it to your steps and show where a person stays in control.
Choose the credit data source.
Have the agent summarise reports.
Add terms suggestions.
Add change alerts for large suppliers.
Flagged exposure = sum of prepayments and deposits outstanding with suppliers whose credit signals are flaggedIt shows how much money is placed with suppliers that look weaker on credit. Watch the trend and the largest items.
Quick answers to what people ask most about credit risk check.
Book a demoIt is an assessment of how likely a supplier is to default or fail, based on credit data and payment history. An AI agent can gather the data and flag concerns for finance.
A financial health check reads the supplier's own accounts. A credit risk check looks at external credit data and payment behaviour and ties it to your exposure.
No. It shows the exposure and flags concerns. Finance decides whether to accept prepayment, ask for security or change terms.
It uses the data sources your team has access to and approves, plus your own payment records. It does not assume access to any specific provider.
A supplier financial health check is the step of judging whether a supplier is stable enough to deliver and to keep trading over the life of the contract.
→Supplier ESG assessment is the step of evaluating a supplier's environmental, social and governance practices against your own standards, such as emissions reporting, labour conditions and ethics policies.
→Adverse media screening is the step of searching news and public sources for negative stories about a supplier or its principals, such as fraud, bribery, litigation or safety failures.
→A conflict of interest check is the step of finding out whether anyone involved in selecting or managing a supplier has a personal, financial or family connection to it.
→Bring a small sample of real items. We will show what Flo handles on its own and where it hands over to your team.
