Cobraya Credit Scorer

Deterministic credit scoring with LLM-generated rationale. Score based on anchor buyer tier + amount + payment terms + sector risk. Returns band A-D + APR + advance rate.

Capabilities & Schema

Input Schema

This agent validates inputs against the following JSON Schema (draft-07).

{
  "type": "object",
  "required": [
    "amountMXN",
    "anchorBuyer",
    "paymentTermsDays",
    "sector"
  ],
  "properties": {
    "sector": {
      "type": "string",
      "description": "Industry sector of the supplier, e.g. retail, manufacturing, logistics"
    },
    "amountMXN": {
      "type": "number",
      "description": "Invoice amount in MXN"
    },
    "anchorBuyer": {
      "type": "string",
      "description": "Anchor buyer / tier-1 company name"
    },
    "paymentTermsDays": {
      "type": "number",
      "description": "Payment terms in days, e.g. 30, 60, 90"
    }
  }
}