Learn & predict
Risk & Underwriting Intelligence
Use servicing and recovery behavior to inform future exposure decisions.
Risk signals refreshed 2026-10-07 · 7:42 AM ET
UnderwritingFundingServicingCollectionsPayment behaviorLearningFuture underwritingRevenueOS gives signals, evidence and recommendations. It never approves or declines business — a person decides.
Total Exposure
$28.73M
$18.40M open AR
High-Risk Exposure
$4.29M
High risk, deteriorating or health < 60
Deteriorating Exposure
$1.70M
Firms with a deteriorating trend
Concentration RiskModerate
58%
Top 10 firms · top 5 32%
Watchlist Firms
4
Behavior-based, not size alone
Strong Relationships
9
Strong or strategic status
New Reviews Required
4
Watchlist firms without a human decision
Hero risk case
ABC Legal
Deteriorating
Existing exposure
$1,700,000
Open AR
$640,000
Avg days to pay
67 (prev 38)
Promise reliability
64%
Broken promises
3 / 90 days
Relationship health
41 (prev 62)
Risk brief · ABC Legal's servicing performance has deteriorated over the past 90 days. Payment timing has lengthened, promise reliability has declined and relationship health has fallen while exposure remains material.
What changed · Average days to pay 38 → 67 · Relationship health 62 → 41 · 3 broken promises in 90 days
Behavioral signals · Days to pay 38 → 67 · 3 broken promises in 90 days · Response rate 48% · 2 disputes logged · Health 62 → 41
Recommended reviewAdditional Review
RevenueOS recommends: Additional review recommended before materially increasing exposure.
Strong relationship example
Smith & Cole LLP
StrategicTrend: Stable
Existing exposure
$2,400,000
Open AR
$418,000
Avg days to pay
31
Promise reliability
92%
Broken promises
1 / 90 days
Relationship health
86 (prev 87)
Risk brief · Smith & Cole LLP remains a strong relationship. Open AR exists, but payment timing, promise reliability and responsiveness remain at or above portfolio norms.
What changed · Relationship health 87 → 86 · 1 broken promise in 90 days
Behavioral signals · 3 disputes logged
Recommended reviewStandard Review
RevenueOS recommends: Standard relationship handling.
New exposure review · demo scenario
ABC Legal · proposed new exposure $250,000
Current exposure$1,700,000
Proposed exposure+$250,000 → $1,950,000
Portfolio concentration5.9% → 6.7%
Days to pay67 (was 38; portfolio 52)
Promise reliability64% (portfolio 80%)
Open AR$640,000
Recovery performance62% recovered (portfolio 36%)
Relationship health41 (was 62)
TrendDeteriorating
Disputes2 logged
Exceptions2 open payment exceptions
System recommendation
Additional Review
Additional review recommended before materially increasing exposure.
Behavior: Deteriorating. Evidence: Average days to pay 38 → 67; Relationship health 62 → 41; 3 broken promises in 90 days.
Decision support states
Standard Review — Normal credit process; behavior supports current terms.
Additional Review — Behavior has weakened; a second reviewer should confirm before adding exposure.
Senior Review — Exposure or concentration is material enough for senior sign-off.
Relationship Review — Relationship manager input needed (protected or sensitive account).
Risk Review — A human restriction is in place; risk committee decides.
No automated approval or decline.
Risk signals
Increasing Days to Pay
1 firm · $1.70M
ABC Legal
Broken Promises
1 firm · $1.70M
ABC Legal
Declining Responsiveness
5 firms · $6.46M
Miller & Bennett, ABC Legal…
Growing Exposure
1 firm · $1.70M
ABC Legal
High Open AR
1 firm · $1.56M
Marshall & Pierce
Increasing Disputes
4 firms · $6.91M
Smith & Cole LLP, ABC Legal…
Recovery Difficulty
3 firms · $2.65M
Thornton & Vale, Anderson Trial Partners…
Payment Exceptions
2 firms · $2.69M
Westbrook Law, Redwood Law Group
Concentration
1 firm · $2.40M
Smith & Cole LLP
Relationship Deterioration
1 firm · $1.70M
ABC Legal
High open AR and concentration are size signals; on their own they never place a firm on watch.
Risk watchlist
| Counterparty | Exposure | Open AR | Risk Signal | Trend | Reason | Recommended Review | |
|---|---|---|---|---|---|---|---|
| ABC Legal | $1.70M | $640K | Increasing Days to Pay, Broken Promises, Declining Responsiveness, Increasing Disputes, Relationship Deterioration | Deteriorating | Days to pay 38 → 67 · 3 broken promises in 90 days · Response rate 48% · 2 disputes logged · Health 62 → 41 | Additional Review | |
| Northgate Legal | $1.17M | $836.1K | Declining Responsiveness | Stable | Response rate 57% | Relationship Review | |
| Okafor & Reyes PC | $1.12M | $774.3K | Health 59 | Stable | Relationship health 59 below 60 | Relationship Review | |
| Meridian Spine & Ortho | $295.4K | $216.3K | Declining Responsiveness, Recovery Difficulty | Stable | Response rate 52% · Average recovery score 38 | Additional Review |
Early warning signals
Payment behavior deteriorating before AR becomes severely delinquent.
ABC LegalAdditional Review
- Increasing Days to Pay: Days to pay 38 → 67
- Broken Promises: 3 broken promises in 90 days
- Declining Responsiveness: Response rate 48%
- Growing Exposure: Exposure still material while performance declines (history illustrative)
- Relationship Deterioration: Health 62 → 41
$1.70M exposure · $640K open AR
12-month risk trend
Health62 → 41
Exposure$1.36M → $1.70M
Open AR$512K → $640K
Days to pay38 → 67
Promise reliability82% → 64%
Current month is live; earlier months are interpolated from the profile's prior values (illustrative).
Concentration risk
Top 5: 31.9% · Top 10: 58.0% of $28.73MExposure by firm
Share of total counterparty exposure.
Smith & Cole LLP$2.40M · 8.4%
Miller & Bennett$1.78M · 6.2%
ABC Legal$1.70M · 5.9%
Stonebridge Attorneys$1.67M · 5.8%
Calloway Law Offices$1.63M · 5.7%
Bayview Legal Partners$1.59M · 5.5%
Marshall & Pierce$1.56M · 5.4%
Hartwell Injury Group$1.52M · 5.3%
Exposure by attorney
Settlement value of linked cases; share of all case value.
David Cole$1.73M · 6.0%
Mark Garcia$1.63M · 5.7%
Ashley Dawson$1.56M · 5.4%
Lisa Turner$1.40M · 4.9%
Daniel Wallace$1.26M · 4.4%
Thomas Alvarez$1.20M · 4.2%
Matthew Ellison$1.16M · 4.0%
Susan Young$992.7K · 3.5%
Exposure by provider
Settlement value of linked cases; share of all case value.
Meridian Spine & Ortho$1.84M · 6.4%
Harbor Urgent Care$1.79M · 6.2%
Pinecrest Radiology$1.47M · 5.1%
Northside Imaging$1.30M · 4.5%
Coastal Chiropractic$1.28M · 4.5%
Crescent Orthopedic Group$1.24M · 4.3%
Peachtree Physical Therapy$1.01M · 3.5%
Summit Neurology$798.1K · 2.8%
Human decisions · audit trail
No risk decisions recorded yet. Every acknowledgement, review request, exception, restriction and clearance is logged here and in Audit & Controls.
Ask GAIN · Risk & underwriting
RevenueOS recommends Additional Review. Additional review recommended before materially increasing exposure. This is decision support — a person makes the funding decision.
- Average days to pay 38 → 67
- Relationship health 62 → 41
- 3 broken promises in 90 days
- Proposed +$250K on $1.70M current exposure
Answers are computed from live servicing records. RevenueOS never makes the funding decision.