Current Account Risk Score and Credit Limit Suggestion: How Much Open Account for Which Dealer?

Every company that sells through a dealer and current account network feels the same tension. To grow sales, you have to extend open accounts, due dates, and flexible limits to dealers; but that same flexibility turns into an uncollectible balance with the wrong dealer. Set the limit too low and you lose the sale, set it too high and you grow the risk. On top of that, a dealer's risk is not fixed; Demir Ticaret, which paid on time six months ago, may have started missing its due dates regularly this quarter.

In most companies the limit decision lives in a few people's heads. The sales manager remembers the dealer's history, accounting looks at the open balance, the owner trusts intuition. Because this knowledge is scattered, risk is usually noticed late: when the balance hits the limit, when collections drag, or when a check bounces. At that point the only option left is collection conversations that strain the relationship.

What is needed is a view that continuously reads each account's payment behavior and flags it early when the situation starts to deteriorate. Current Account Risk and Credit Limit Suggestion is being designed to fill exactly this gap: to reduce scattered information into a single understandable score and a suggested limit, making the decision easier without taking the decision away from you.

The assistant does not ask for new data entry. It reads the current account movements, collections, overdue durations, and open balance already recorded in B2BPro. In other words, the data you use daily for your sales and collections process also becomes the input for the risk assessment. You do not have to fill in an extra table or open a separate program.

From this data a risk score summarizing the account's payment behavior is produced. The score looks at signals such as the average days overdue, the ratio of overdue balance to total balance, how often payments match their due date, and the balance trend over recent months. The important part is this: the assistant does not hand you the score as a black box. For example, it clearly writes as its reasoning that over the last three months the average overdue grew from 12 days to 27 days and the open balance climbed. That way you see where the score comes from and add your own judgment.

Alongside the score, a draft of a suggested sales or credit limit is offered. This is decision support, not an applied change. You can accept the limit as is, adjust it up or down with your own knowledge, or ignore the suggestion entirely. No limit change is applied without your approval; the assistant does not put a limit into effect on its own.

Let's say we picture three of your dealers. The first is Demir Ticaret: over the last three months its average overdue rose from 12 days to 27 days, and its open balance is climbing too. The assistant marks this account's risk score as Medium-High and suggests you consider pulling its current 250,000 TL sales limit down to 150,000 TL for a while. It also shows the reasoning: rising overdue and a climbing balance. You make the decision; perhaps you have a long relationship with the dealer and choose to keep the limit, perhaps you lower it.

The second is ABC Bayilik: an account that paid with trouble for a while but closed all of its last six payments on the due date. The assistant notices this improvement and, based on the past trend, prepares a draft suggestion to raise the credit limit to 200,000 TL. Here risk management lets you see not just the brake but also the gas: opening more room for an improving dealer at the right time is a sales opportunity too.

The third is a new account you started working with only a few months ago. Here the assistant does not impose a firm limit; it says enough payment history has not formed and recommends you proceed with a cautious limit at the start, noting that it will update the suggestion as data accumulates. What these three scenarios share is this: in each one the assistant only suggests and shows its reasoning, and you have the final word.

The most valuable part of risk management is seeing a dealer's situation start to deteriorate early rather than late. The assistant re-evaluates and brings to your attention when a deterioration appears in an account's payment pattern, rising overdue, or a climbing balance trend. For example, if XYZ Ticaret's open balance reached 85 percent of its limit in the last two weeks and the last collection was 18 days late, it notes this as an early risk signal.

This signal does not mean blindly holding new orders. On the contrary, it lets you decide consciously: before approving this dealer's new order, do you want to review the balance, ask for a partial collection, or trust the relationship and continue? That choice is yours. What matters is making this decision while you still have room to act, not after the balance has exceeded the limit and collections have become entirely difficult.

This approach sits on top of concepts you already use in B2BPro, such as credit limit, due date, and offset. The assistant does not build a separate world; it makes your existing current account logic more readable and puts changes that could slip past you in front of you in time.

This feature's framing is clear from the start: the assistant suggests, flags, and prepares drafts; the decision and the responsibility are yours. A risk score is a forecast, not a verdict. An account being flagged high risk does not necessarily mean it cannot pay, and looking low risk does not mean it will never cause a problem. You see the reasons behind the score, combine them with your own industry and dealer knowledge, and set the final limit.

The assistant does not apply the limit on its own, does not close accounts, and does not move any money. B2BPro's bank integration already only listens read-only; that is, the system reads your account movements but does not make payments on your behalf or send money. The AI stays within this boundary. All it does is draw a suggestion from your data and present it for your review.

This design choice is deliberate. Open account and limit are among a company's most sensitive financial decisions, and handing that decision to an algorithm would not be right. The correct setup is an assistant that speeds up the decision without taking it out of your hands: the reasoned suggestion comes to you, the approval button stays with you.

Let's be transparent: Current Account Risk and Credit Limit Suggestion is not a live feature right now. It is being built in early access and will be rolled out gradually. This page exists to honestly explain what the feature will do when it launches, not to claim you can use it today. We say "soon" and "when it launches," not "available now."

The offer we make for the pre-launch period is simple and fair: become a B2BPro customer today, and as AI features are released, each is included in your plan as a limited free usage tier at no extra charge. Customers who switch before launch keep this right. So if you move your sales and collections processes to B2BPro today, when Current Account Risk and Limit Suggestion launches you will be among the first to try it and you will use it on the free tier.

There is an added benefit to this. Because the feature works on data, the current account and collections history accumulating in B2BPro today means more accurate suggestions when the feature launches. The earlier you switch, the richer the history the assistant works with on its first day. To start, request a free demo; let's review your current account and risk management process together.