D07Finance & accounts

AI credit controller for small business Credit controller. Sets and enforces customer credit limits before risk becomes bad debt.

  • 5 tasks
  • 1 it does alone
  • 4 need your OK
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Sample of the agent's work, drawn from its real task list.

01In plain words

How the AI credit controller works

The AI credit controller is an Autowhat agent for small businesses that sets and enforces customer credit limits before risk becomes bad debt. It does 5 defined tasks — 1 on its own and 4 only after the owner's OK — in Ledgers, GST portal search, order desk.

1

It starts when…

  • New order
  • Weekly review
2

It does the work

  • Recommend credit limits and days
3

It asks you before…

Limit increases

02Every task

5 tasks, each one marked.

  1. Score customers on payment historyNeeds your OK
  2. Recommend credit limits and daysDoes it alone
  3. Block orders over limit until approvalNeeds your OK
  4. Watch GST filing status of key customersNeeds your OK
  5. Report concentration and riskNeeds your OK

Works in

  • Ledgers
  • GST portal search
  • order desk

Alerts you when

  • Customer stops GST filing
  • overdue spike

You'll know it's working by

Bad-debt ratio

Who it is for

Distributors, wholesalers

Takes over routine work from

Credit manager time

03How much it may do

Safe by design, in two plain labels.

Autonomy · L3

Acts within your limits

It handles routine cases on its own and asks you about anything outside the limits you set.

Risk · R3

Commitments

Its work can commit you to a customer or supplier, so those steps are read back first.

Every agent also reads back actions, keeps an audit log, asks when unsure, learns from your corrections, reports in the daily briefing and stops on the kill switch.

04Works well with

Other finance & accounts agents

Data-entry operatorTurns bill photos and voice notes into accurate vouchers in the books.Bank reconciliation clerkReconciles bank statements to books daily instead of at year end.Collections agentChases receivables politely and persistently and posts receipts.Payables preparerPrepares vendor payments for one-tap approval; never pays on its own.Expense and petty-cash trackerCaptures every staff expense and petty-cash spend from a WhatsApp photo.Payroll inputs clerkPrepares monthly payroll inputs from attendance, leave and advances.

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FAQAI credit controller

Quick answers

By · Updated

What does an AI credit controller do?

The AI credit controller is an Autowhat agent for small businesses that sets and enforces customer credit limits before risk becomes bad debt. It does 5 defined tasks — 1 on its own and 4 only after the owner's OK — in Ledgers, GST portal search, order desk.

What does the AI credit controller ask me before acting?

It asks before: Limit increases. It reads the action back in one message and waits for your yes; routine steps run within the limits you set.

Which apps does the AI credit controller work in?

It works in Ledgers, GST portal search, order desk. No new software is needed; it uses what the business already has.

Who is the AI credit controller for?

It is built for distributors, wholesalers. It takes over routine work from credit manager time, while people keep the judgement calls.

Does the AI credit controller run on a phone?

Runs today on Autowhat's Android agent (early access), on a business phone. See the Android X page for how the phone agent works.

05Hire it

Put the AI credit controller to work. We set it up in your apps.

A 30-minute working session: an engineer maps this agent to your phone, WhatsApp and the apps it needs, and agrees what it must ask you before.

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