A credit desk that decides from the customer’s whole payment record.
The credit desk works the order holds your credit team works today. It sees each customer’s payments, promises and disputes over time, decides what its band allows, and refers the rest to the credit manager.
An order that would take a business customer over its credit limit, and the limit reviews on your calendar. Both come from your ERP.
It reads the customer ledger, payment history, open orders and disputes. It writes order hold status, and credit limits within its band.
You set the limit bands and the customers in scope. It releases, holds, raises or cuts within its band, and refers anything larger to the credit manager.
It never stops supply for good, never messages a customer itself, and never takes on accounts held by individuals. Those stay with people at every level.
“Decide orders that would take a business customer over its credit limit, and review limits on schedule. Release or hold within your band, refer anything larger, and keep the reason on the record. Report to the credit manager.”
The floors no configuration can weaken
Seven limits sit under every level, level 5 included. Your own limits can only tighten them.
A person decides. The threshold is yours to lower, never to remove.
Nothing is signed, agreed, or terminated without a person.
A relationship is not a record to be closed. It stops with a person.
Reporting lines, roles, and who is accountable are set by people.
No AI employee can raise its own level or anyone else’s.
Anything leaving the organisation is gated, whatever the level.
Handled under your rules, with a person deciding on anything that acts on it.
An order released on a clean record, and new orders held when payments slowed.
Both records keep the payment history as it stood at the moment of decision, so a later dispute is answered with what was known then.
What was known when: each late payment is recorded on the day it became late, so the hold is explained exactly as it stood.
Orders sit on hold until someone has time to look.
Holds are decided as they arrive, within its band, with the record attached.
Limits are set once and rarely reviewed.
Limits are reviewed on schedule against how the customer actually pays.
A dispute about a hold is argued from memory.
Every hold replays as it stood, with the payment history of that day.
Two weeks on last month’s order holds.
It proposes a decision for every hold and limit review your credit team handled last month. You compare its proposals with what your people decided, and nothing in your systems changes.
Two-week retrospective evaluation
You see where it would have released, held, raised or cut, and where it would have disagreed with your team, with the payment record behind each.
Budgeted like an operational role · Zero token metering
Expenditure is tied to completed operational outcomes, not token consumption or prompt volume. A high-volume month or quarter never generates a variable surprise bill, providing fixed annual forecasting for CAIOs, CFOs, and Procurement leads.
Credit limits and order holds
The pilot role. Routine releases within the first band, everything else referred with the record.
Customer credits
Decides credit requests from business customers within policy and its limit.
Month-end close
Keeps the close on schedule and posts recurring accruals below materiality.
