What Ledger actually does
- Reads settled and unsettled invoices, not deal stages
- Names the pattern rather than returning a risk score
- Flags open deals that resemble the ones that never paid
- Runs on your own AI key — no data leaves for a model you did not choose
Is this a credit check?
No. It uses only your own invoice history — who paid, how late, and what those customers had in common. No bureau, no third-party data.
What if we have not invoiced much yet?
It says so rather than guessing. Below a usable sample it reports that it has nothing to say, which is more useful than a confident number built on four invoices.
Every Rider shows its working
Quotarider’s AI agents reason over your own records and never invent a fact about a company. Anything inferred says it is inferred, anything from outside carries a link you can open, and where the data to answer is not there they say so instead of returning a reassuring zero. That is the difference between an AI CRM you can audit and a chat box that guesses.