Customer Credit Exposure Monitor: See Total Exposure Before It Becomes a Write-Off
Aggregate each customer's AR balance plus open, undelivered orders against their credit limit, rank who's near or over the line, and let a credit manager approve every watchlist and limit action before it's recorded — so a customer's true exposure stops being invisible until it hurts.
A logged-in tool where you import AR balances, open undelivered orders, and credit limits, the agent rolls each customer's total exposure up against their limit, ranks the accounts that are near or over the line, a credit manager reviews and approves every limit change and watchlist action, and you export a clean watchlist and exposure report in your system's columns.
Before you start
- A Supabase account (free)
- A Vercel account (free)
- A Resend account (free)
- An export of your AR balances, open orders, and credit limits (CSV or Google Sheet is fine)
- Your customer ID convention (the field that uniquely names each account)
- Claude Code or any AI coding agent
The problem this kills
A customer's credit limit is a single number. Their real exposure is three numbers added up: what they already owe you (AR balance), what you've shipped but they haven't paid, and the orders you've accepted but not yet delivered. Most teams only ever look at the first one. So an account sits comfortably under its limit on the AR aging — while $40,000 of accepted-but-undelivered orders quietly pushes its true exposure well past the line.
Nobody sees it, because the three numbers live in three different places: the AR aging in accounting, the open-order list in the order desk, the credit limits in a spreadsheet someone updated last quarter. To answer "how exposed are we to this customer, right now, all in?" somebody has to manually stitch those together — and they only do it after the account has already gone bad.
The result is the worst kind of surprise: you find out a customer was over their limit at the exact moment you're deciding whether to write off their balance. By then it's not a credit decision, it's a loss.
What you'll build
A small, secure web tool that does the stitching for you and forces a human decision before anything changes. You import your AR balances, your open (undelivered) orders, and your credit limits. The tool aggregates each customer's total exposure — AR plus open orders — and compares it to their limit. It ranks every account by how close to (or over) the line they are, surfaces the over-limit accounts at the top, and proposes watchlist and limit actions. Then it stops: a credit manager reviews each proposed action and approves it before a single thing is recorded. Approved actions become a watchlist you can export in the exact columns your system of record expects.
It's the difference between exposure being a report nobody runs and exposure being a daily, ranked, sign-off-gated view that finance, credit, and sales all trust.
What's inside the Implementation Plan
The plan is a single file you paste into an AI coding agent like Claude Code. It builds the whole tool with you, step by step, in plain language — no developer required.
It opens by interviewing you about your business — this is the part that makes the tool yours and not a generic template. Before it writes any code, the agent asks how you name customers, whether you measure exposure per account or per parent group, exactly which order statuses count as "open exposure," how your limits and credit holds work, and where your messy edge cases hide (intercompany accounts, deposits, disputed invoices, multi-currency). Then it reflects a short tailored spec back to you and waits for your thumbs-up before building anything.
From there it walks through: setting up your database and login, importing the three data sources, the exposure math and ranking, the manager approval gate, the watchlist, email alerts for newly over-limit accounts, and a CSV export shaped to your system. Each build step ends with a ready-to-paste prompt.
The governance it includes (this is the point)
This isn't a throwaway spreadsheet macro — it's an internal tool with real controls baked in:
- Login so only your team can open it.
- Row-level security so each organization only ever sees its own customers and balances.
- A complete audit trail — who proposed an action, who approved it, what changed, and when.
- A hard human-in-the-loop approval gate: the tool drafts the watchlist and limit actions, a credit manager reviews and approves, and only then is anything recorded.
- Duplicate guards keyed on customer ID, so the same account can't be double-counted and the same import can't be processed twice.
Who it's for
Credit managers who own the limit decisions, finance and AR teams who live in the aging, and sales leaders who need to know before they accept the next big order whether the account is already maxed out. If you've ever been blindsided by a customer who was "fine on paper," this is for you.
You've got this — paste the first prompt and let the agent interview you.