Four streams at once: bank data, bureau changes, your own AR behavior, and Nuvo Network signals. That means a bank balance dropping or an NSF hitting a connected account, a bureau score moving, a new tax lien or bankruptcy filing, invoices starting to age inside your own ledger, and risk another supplier on the Nuvo Network has already run into.

Continuously. Bank activity and AR behavior are watched on an ongoing basis, so an NSF or a payment starting to slip surfaces within days rather than at the next scheduled review. Bureau reports refresh on a cycle that you set, and flagged accounts refresh faster. It replaces the annual or biannual account review most credit teams still run by hand.

Only if you want, and only inside limits you set. In co-pilot mode, the Monitoring Agent recommends the change and your team decides. In autopilot mode, it acts within the boundaries your policy defines. For example, the agent could raise a credit limit by 10% for an account with no late payments in twelve months, while anything beyond that still routes to a person. Every change is logged with the reason attached.

Both, and the growth half is usually the surprise. Alongside accounts heading the wrong way, Nuvo surfaces customers with underused credit lines who are paying well and buying more where a limit increase turns into revenue rather than exposure. Customers see an average credit expansion of $15,000.

We partner with all of the leading providers of credit data, including CreditSafe, D&B, Experian, Equifax, CreditRiskMonitor, NACM Commercial Services, and more. You can access bureau reports either through Nuvo or by connecting to the account you already have.

For business credit information, no. Business credit data isn't personal credit data and doesn't carry the same consent requirements. Bank data is different: your customer connects their own account and grants that access directly during onboarding, so it's their decision rather than something done to them.

Yes. Policies can vary by segment, region, or credit tier, so a national account isn't governed by the same rules as a small local one. You define the triggers — utilization thresholds, past-due amounts, NSF counts, a new lien — and what each one should do, from flagging for review to placing an order hold.