Credit used
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Available at the appropriate access level
Investors
Credit & Risk
Faster credit decisions. Continuous risk control.
Arxax combines AI-assisted credit assessment, external credit information and transaction-level controls to simplify customer onboarding and manage fleet spending limits.
Configured plafond
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Available at the appropriate access level
Credit utilisation
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Available at the appropriate access level
Customer security deposits
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Available at the appropriate access level
Overdue receivables
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Available at the appropriate access level
Realised credit losses
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Available at the appropriate access level
From application to controlled activation
- 1
Collect
Company information, financial documents and external credit data.
- 2
Assess
AI-assisted document analysis and identification of risk factors.
- 3
Recommend
Risk grade, spending limit, payment terms and required protection.
- 4
Approve & activate
Policy-based approval and human review where required.
- 5
Monitor & reassess
Payment behaviour, utilisation and credit alerts.
Protection Framework
Credit insurance
Approved buyer limits and eligible receivables. Credit Insurance Partner SACE direct system integration.
Customer deposits
Deposits held against customer exposure.
Guarantees received
Protection amounts, expiry dates and beneficiaries.
Operational controls
Spending limits, payment schedules, alerts and suspension rules.
Portfolio Health
Customer defaults, receivables ageing, protection coverage and payment performance.
Customer defaults
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Available at the appropriate access level
Default rate
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Available at the appropriate access level
An invoice is overdue once it passes the customer’s payment term, usually 7 days from issue. A customer is in default when an invoice stays unpaid more than 30 days after its due date.
Receivables ageing
Available at the appropriate access level.
Customer concentration
Available at the appropriate access level.
Payment performance
- On-time payment rate
- Failed collection rate
Invoices carry no payment date yet.
UniCredit invoice financing
Supports working capital and fleet operations as the customer base scales.