CLARA analyses the credit. Your analyst makes the call.
CLARA is Thompson Tecnologia's AI agent for credit analysis. It receives the tax ID, the requested limit and the documents, applies your company's credit policy and gives the analyst a complete analysis, with strengths and points of attention.
Watch CLARA analyse a request
Choose the type of request and click analyse. It is a simulation with fictitious data, showing the path CLARA follows before handing the analysis to the analyst.
What came in
- Company
- Example Distribution Ltd.
- Tax ID
- PT 500 000 000
- Requested limit
- €250,000
- Source
- Sales order
- Balance sheet 2025.pdf
- Income statement 2025.pdf
- Sales last 12 months.xlsx
Salesperson's note: strategic customer in the region.
What CLARA does
Click analyse to see each step.
- Reading the three documents
- Extracting balance sheet ratios
- Calculating leverage
- Checking credit bureaus
- Applying the credit policy
- Considering the salesperson's note
- Preparing the analysis for the analyst
Strengths
Points of attention
Your analyst stops reading PDF after PDF
In credit analysis, the analyst checks documents one by one, some well formatted and some not, to arrive at ratios such as leverage. While the credit is pending, the sale waits. CLARA does this work in three steps.
Receives
The tax ID, the requested limit and the documents: balance sheets, financial statements and spreadsheets, in whatever format they arrive.
Analyses
Applies your company's credit policy, calculates the ratios and considers the context, such as a salesperson's note that the customer is strategic.
Delivers
A complete analysis, with strengths and points of attention, for the analyst to decide. Your company sets the amount up to which CLARA can update the ERP on her own.
It fits into the process you already have
CLARA does not ask your team for a new screen. It works from the points where credit is already requested today.
What changes in the operation
Credit moves at the pace of the order, with the decision in the hands of whoever is accountable for it.
The order does not wait for a diary slot
Data is collected and cross-checked automatically, and the order moves on without waiting for the analyst to open every file.
The audit trail is already there
Every rule applied and every risk identified is logged with source and date. When the audit comes, the path to the decision is there.
The decision is human
CLARA recommends and explains. Approving, reviewing or declining stays with the analyst.
How CLARA was born
On TrendOff, Skyone's podcast, Helder Satin, CTO and director of Thompson Tecnologia, explained where she came from. The first credit agent was built for a client in an Accelerate project with Skyone, for which Thompson is an implementation partner, and took six to eight weeks to complete.
CLARA grew out of that experience, together with the credit automation projects Thompson was already running.
Questions? Ask CLARA
Pick one of the questions credit teams ask, and CLARA answers straight away.
See CLARA in your credit process
Tell us how the analysis is done today, and the Thompson team will show you how CLARA would work with your credit policy.