cluagents.com

🛒 Consumer Goods · B2B Credit Intelligence

Dynamic B2B Credit Policies per Retailer, Decided in Real Time from Payment Behavior

Same Retailer. Different Credit Policy. Decided in Real Time. Automatically.

Static B2B credit policies reward bad payers and frustrate good ones. CLU assigns dynamic credit policies based on real behavioral signals — no human credit review required.

Solution design · numbers modeled on the operation described

-15%
B2B order processing friction
0%
Hallucinations (deterministic rules)
200+
Native connectors available
Static B2B credit policies reward bad payers and frustrate good ones. CLU's behavioral scoring gives reliable retailers the frictionless experience they've earned — and protects cash flow from the rest.

// the problem

B2B credit systems apply the same static policy to every retailer regardless of their actual payment behavior. Reliable buyers get locked into standard terms despite a perfect track record. Irregular payers get the same extended credit — exposing the company to cash flow risk. Human credit review is slow, infrequent, and can't respond to real-time behavioral changes. By the time someone reviews a file, the damage is done.

// what CLU does

CLU continuously evaluates purchase history, app navigation patterns, and payment behavior in real time. A behavioral score updates constantly and feeds into a deterministic rules engine — zero AI guesswork on financial decisions. At checkout, the policy applies automatically: reliable buyers get one-click reorder with extended payment terms, irregular buyers are switched to cash-on-delivery. Every decision syncs to the credit system and ERP with a complete audit trail.

// the agents, in order

  1. 1
    Behavioral Score Agent
    Evaluates every purchase, payment, app session, and abandonment pattern in real time — score updates continuously, not monthly
  2. 2
    Rules Engine Agent
    Applies deterministic rules (no AI guesswork) to decide which credit policy to assign based on the current score — zero hallucination risk on financial decisions
  3. 3
    Checkout Agent
    Applies the assigned policy seamlessly at checkout — reliable buyers see 1-click reorder with extended terms, others see cash-on-delivery
  4. 4
    CRECCU Sync Agent
    Syncs the policy decision to the credit platform and ERP in real time with full audit trail — every decision documented, timestamped, traceable

// systems it talks to

  • B2B App API
  • Credit System (CRECCU)
  • SAP / ERP
  • Payment Gateway
  • Episodic Memory
  • Rules Engine

// the economics

Reliable retailers get the experience they earned · Cash flow protected from erratic payers · Zero human credit review

// CLU · the agent factory

Is your operation like this one?

Describe it in your own words on the home page. CLU draws your process as an operation map, with the agents, the systems and an estimate for your volume.

// more cases in Consumer Goods

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