User guide

From sign-up to credit assessment in a few minutes

A short walkthrough of the chat-driven flow — built for trade-credit merchants, risk managers, and FX desks who want a real credit grade without learning a dashboard.

The steps below mirror what you'll see in the clip.

Step 1 · ~60 seconds

Sign up and confirm 2FA

Visit agentcredit.net/signup and register with your work email. Tick the terms checkbox and pick a strong password.

On first login you'll be asked to set up two-factor authentication — choose either a passkey (recommended; uses Face ID, Touch ID, or Windows Hello) or an authenticator app (Authy, 1Password, Google Authenticator). You'll receive 10 single-use recovery codes — save them somewhere safe.

Tip — Your first check is on us — a free preview that reveals the decision and credit grade for any UK company, so you can see the engine in action before spending a penny. Unlock the full assessment — recommended limit, tenor, rationale, and peer comparison — by topping up from £15 per check.

Step 2 · ~5 seconds

Pick the profile that matches your role

On first use, you'll be asked which kind of decision you make. This shapes the recommendation you get back — same scoring engine underneath, different output framing for each role.

Trade Credit — for merchants, distributors, and B2B sellers extending Net 30 / 60 terms. You'll see a recommended credit limit (£) and payment-term days for each customer. Best for “can I ship to this customer on credit, and how much?”
Credit Line — for payment firms, EMIs, and credit teams sizing working-capital or term credit exposure to a counterparty. Output reframes as a recommended credit line, tenor, and indicative spread. Best for “how much exposure should we extend, on what terms?”
FX Sales — for FX dealers and B2B payments firms sizing client exposure. Output reframes as a recommended notional, max forward tenor, and margin-call threshold. Best for “how much FX line can we open for this client?”
Risk Manager — for credit risk teams, controllers, and analysts who want the full picture. Output shows the underlying ensemble (scorecard, ML, Altman Z-score), peer percentiles, and the data-quality breakdown. Best for “I want to see what drove the score before I sign off.”

Tip — You can switch profiles at any time from Settings → Profile — the same assessment renders differently for each role, so you can flip between views on a single counterparty.

Step 3 · ~5 seconds

Open chat and ask about a company

After login you land directly in the chat. No menus, no dashboard to learn. Type the question the way you'd ask a colleague:

“Score Iceland Foods Ltd”
“Can I extend Net 30 to Northgate Trading Ltd?”
“What FX exposure can I take on Marlow Holdings Ltd?”

AgentCredit understands plain English. The phrasing and your user-group setting (trade credit, risk, or FX) decide which kind of recommendation comes back.

Step 4 · ~5 seconds

Confirm the right company

If your query matches more than one UK company, you'll see a short picker — usually 2-3 candidates with their Companies House number and registered address. Tap the right one.

If the company isn't on file, AgentCredit looks it up live at Companies House, downloads the most recent annual accounts, and parses the financial statements automatically — no upload needed for the vast majority of UK companies.

Tip — Got more recent accounts than what's public? Tap Upload latest accounts on the prompt and drop in a PDF, Excel, or CSV. We'll use those instead.

Step 5 · ~30-60 seconds to render

Read the assessment

You'll get a single card containing:

Decision — Approve / Approve with conditions / Decline
Credit grade (A+ to F) and probability of default
Persona-specific recommendation — recommended trade-credit limit and payment terms (trade credit), exposure limits and tenor (FX), or full risk breakdown (risk manager)
One-paragraph rationale explaining the key drivers in plain English
Data freshness note — period-end date and how confident we are given the data's age

Everything is decision-support, not regulated financial advice — you still make the call. The footnote on every card is a reminder.

Step 6 · ~30 seconds

Optional: upload your own accounts

For private companies, micro-entities filing balance-sheet-only accounts, or any case where the public filing is too old, click the upload button at any point in the chat.

Accepted formats: PDF, Excel (.xlsx, .xls), CSV. Our parser handles structured iXBRL filings, text-based PDFs, and image-only scanned PDFs.

Step 7 · ~30 seconds

Top up when you need more

After your free first check, each assessment costs £15. Buy credits in packs of 1, 5, or 20 — the larger packs drop the per-check price to £13 and £12 respectively. No subscription, no minimum, no sales call.

If you do high-volume checks (more than ~10/month), the monthly subscription tiers become cheaper per check and unlock the full credit-management dashboard. See pricing.

Common questions

Is the company I'm checking notified?: No. AgentCredit uses public Companies House filings — the same information any credit reference agency uses. Nothing is shared with the company being checked.
What if a company has no public accounts?: You'll be asked to upload them. If you don't have them, we'll tell you up front rather than guess — and you won't be charged for an assessment we can't deliver.
How current is the data?: UK Companies House accounts are statutory and lag 9-12 months behind year-end. AgentCredit shows you the period-end date on every assessment and downgrades confidence on data older than 24 months. Beyond 36 months we refuse to score and ask for an upload.
Can I share an assessment with a colleague?: Yes — the assessment card has an export option (PDF report). Each export uses the same credit you spent on the original assessment (no extra charge).

Questions or issues? Email [email protected]. AgentCredit provides decision support. You make the final credit decision.