AI Customer Credit Score

How the score is computed

Five weighted factors. The production engine inside HIBR runs nightly across every customer in your ledger and surfaces changes — when a previously-reliable customer slips a tier, you get an alert before the receivable becomes a bad debt.

• Payment timing (35% weight) — historical on-time vs late vs very-late ratio. Industry-adjusted: services businesses tolerate 5-day-late as normal; retail with end-of-month terms expects exact-day payment.
• Days Sales Outstanding (25% weight) — average days from invoice to payment. Compared to your business's overall DSO and to UAE industry benchmarks per business sector.
• Outstanding balance trend (15% weight) — is the customer's open balance growing or shrinking quarter-over-quarter? Growing balance with stable order volume is an early warning.
• Dispute & credit-note ratio (15% weight) — frequency of disputed invoices and issued credit notes vs total invoices. High dispute ratio signals operational or relationship issues.
• Industry baseline (10% weight) — UAE-specific industry risk profile. Construction sub-contractors and government contractors carry different baseline payment patterns than retail or services.

What it doesn't do

The score is a leading indicator on payment behavior, not a credit bureau lookup. It does not access AECB (Al Etihad Credit Bureau) or any external credit data — that requires the customer's consent and is a separate service we'll integrate post-launch via the partner program. It also doesn't claim to predict bankruptcy; it predicts payment reliability based on your interaction history.