Workflow automation for credit checks on new clients

Purpose

1. Automate the complete workflow for credit checks on new clients, ensuring fast, consistent assessment of buyers' financial stability before allowing invoiced sales.

2. Reduces manual verification steps, automating third-party credit data retrieval, internal logging, notifications, risk scoring, compliance, and approval processing.

3. Automates record-keeping, securely storing credit check outcomes for audit and future reference, enabling scalable onboarding for global wholesale customers in the natural stone sector.

4. Prevents financial losses by automatedly blocking high-risk profiles and accelerates onboarding of credible clients by automated risk scoring and approval.

Trigger Conditions

1. Automator triggers when a new client profile is created in CRM or ERP such as Salesforce, Zoho CRM, or SAP.

2. Triggered when new onboarding forms are submitted via web portal, Typeform, or Google Forms.

3. Automatable initiation on receipt of sales inquiry email detected via Microsoft Outlook, Gmail, or Exchange rules.

4. Automated trigger from digital contract signature event completed on DocuSign or PandaDoc.

Platform Variants

1. Salesforce

• Feature/API: Automation flow—Process Builder/Flow with trigger on "Account Created", auto-call Apex action to third-party credit API.
  
• Sample: Automate invocation of Experian API using Salesforce Flow after "client onboarding" stage.
  

2. Zoho CRM

• Feature/API: Workflow Rule—triggered on new lead/client, automates webhook to Creditsafe API.
  
• Sample: Configure webhook in Zoho Workflow to POST client data to Creditsafe for credit score retrieval.
  

3. Microsoft Power Automate

• Feature/API: Automated Flow – Trigger “When a new row is added to SQL/Dataverse”, automate HTTP call to D&B Direct+.
  
• Sample: Set Power Automate HTTP step to GET credit data from D&B and patch to client profile.
  

4. SAP

• Feature/API: SAP BTP Business Rules/Workflow—trigger on “Business Partner Created”, automate RFC/BAPI to credit check engine.
  
• Sample: Automate BAPI_CREDIT_CHECK after BP onboarding.
  

5. Oracle NetSuite

• Feature/API: SuiteFlow—Automated workflow on new customer creation, automates RESTlet to Atradius credit check API.
  
• Sample: Set SuiteFlow to trigger HTTP request after “Customer Saved”.
  

6. HubSpot

• Feature/API: Workflow Automation—trigger on “New Contact Created”, automate webhook to Dun & Bradstreet API.
  
• Sample: Configure automated external request step for risk scoring.
  

7. Pipedrive

• Feature/API: Workflow Automation—trigger on new organization, automate outbound webhook and fetch credit score.
  
• Sample: Automate webhook to Creditsafe or Equifax endpoint.
  

8. DocuSign

• Feature/API: Connect Events—automate trigger on “Envelope Completed”, triggers credit check workflow in backend.
  
• Sample: Webhook fires POST to internal automator or Zapier webhook.
  

9. Microsoft Outlook

• Feature/API: Automated Rules—automates script run on detected onboarding term, triggers Power Automate flow.
  
• Sample: Forward email with client info to automator endpoint for processing.
  

10. Gmail

• Feature/API: Apps Script/Filters—triggers when “new client” email arrives, automates Apps Scriptbot to start credit check.
  
• Sample: Apps Script POSTs to Experian endpoint on filter trigger.
  

11. Google Forms

• Feature/API: Form Submit Trigger—automate Google Apps Script to extract and send details to credit check API.
  
• Sample: Apps Script triggers POST to API after response.
  

12. Typeform

• Feature/API: Webhooks—automates POST on new completion; endpoint automatedly launches credit check.
  
• Sample: Webhook URL connects to automator that queries D&B API.
  

13. Creditsafe

• Feature/API: Company Check API—REST endpoint called with company registration number, automates real-time score fetch.
  
• Sample: Automate GET /company/{id} on onboarding event.
  

14. Dun & Bradstreet

• Feature/API: Direct+ Company Credit API—REST call automates company search, profile, and credit risk lookup.
  
• Sample: Automate HTTP GET with integration key.
  

15. Experian

• Feature/API: Business Credit Reports API—REST endpoint; automate automated fetch and parse credit report JSON.
  
• Sample: Automate lookup and update to financial dashboard.
  

16. Equifax

• Feature/API: Commercial Credit API—automates report fetch by business name/ID.
  
• Sample: Set up automated process to fetch score, send for review, and archive.
  

17. QuickBooks Online

• Feature/API: Webhooks—automates credit-status tag update on “New Customer”.
  
• Sample: Auto-trigger webhook to initiate credit check API.
  

18. Xero

• Feature/API: New Contact Trigger via Xero webhooks, automates call to Creditsafe API.
  
• Sample: Automated webhook POST on contact added.
  

19. Slack

• Feature/API: Incoming Webhooks—automates notification to “Credit Checks” channel with results as soon as fetched.
  
• Sample: Send automated alert; includes pass/fail, flag for manual review if high risk detected.
  

20. Zapier

• Feature/API: Multi-step Zap—automates trigger on new CRM record, run API call, parse results, alert/flag in another app.
  
• Sample: Chain of automated steps for credit vetting, flagging, and Slack/email alert.
  

21. Monday.com

• Feature/API: Automations—trigger on new item in “Clients” board, automates web-based credit check and auto-updates status field.
  
• Sample: Automated webhook integration to third-party credit service.
  

22. Trello

• Feature/API: Butler Automation—trigger on new card in “Pending Onboarding”, automates webhook POST to credit API and moves card based on credit result.
  
• Sample: Rule: “when card added, call webhook, set label by response.”
  

Benefits

1. Fully automated workflow increases processing speed, drives down manual effort, and enables scaling.

2. Consistent, rule-based automated risk scoring for impartial decisions and reduced errors.

3. Automated notifications and data logging secure traceability and compliance, minimizing disputes.

4. Automator can block, flag, approve, or escalate based on defined risk thresholds, minimizing default risk.

5. Automatable integrations support seamless onboarding and a better client experience through rapid decision making.

6. Enables dynamic, real-time credit risk assessment—improving working capital and protecting revenue.