Customer Risk Scoring
Wish your team could tell at a glance which customers pay late, damage equipment, or leave inspection issues unresolved — without digging through history? Customer Risk Scoring turns that history into an automatic score. Rentablez adds up points from the factors you choose, compares the total to your cutoffs, and stamps each customer with a Good / Low Risk / Medium Risk / High Risk badge that shows on their record.
Scoring is off by default, and for good reason: the right thresholds depend on your business. This page walks through turning it on safely, tuning the factors, previewing the impact before you commit, and how the resulting badge behaves on a customer.
Configuring risk scoring requires the
settings.writepermission. Anyone withsettings.readcan view the rules but not change them.
Where to Find It
Open Settings from the main menu, then under Financial Settings choose Risk Scoring. You’ll land on the Risk Scoring Rules page.
How Scoring Works
Each customer starts at zero. For every factor you turn on, Rentablez measures the customer’s behavior, decides which tier they fall into (Low, Mid, or High), and adds that factor’s weight in points. The Loyalty factor works the other way — it subtracts points to reward long-standing customers.
The final total (capped at 0–100) is compared to your three cutoffs to produce the badge:
| Score reaches… | Badge |
|---|---|
| Below the LOW cutoff | Good |
| LOW cutoff | Low Risk |
| MED cutoff | Medium Risk |
| HIGH cutoff | High Risk |
Cutoffs must ascend — LOW must be less than MED, and MED less than HIGH — or the page won’t let you save.
Turning On Automated Scoring
1. Set your cutoffs
At the top of the page, use the LOW / MED / HIGH boxes to enter the score at which a customer earns each badge. For example, LOW 20, MED 50, HIGH 75 means a customer scoring 55 is flagged Medium Risk.
2. Choose and tune your factors
In the factors table, flip on the toggle in the left column for each factor you want to count. Enabled rows are tinted and their inputs become editable. For each active factor, fill the Low / Mid / High threshold boxes and its Weight (the points it contributes).
| Factor | What it measures | Thresholds you set |
|---|---|---|
| Overdue — days past due | Days that unpaid invoices have sat past their due date | Low / Mid / High day counts + Weight |
| Overdue — total amount | Total unpaid amount that is past due | Low / Mid / High amounts (shares the Overdue toggle) |
| Payment timeliness | Average days late across the last 10 paid invoices | Low and High day averages + Weight |
| Customer-caused damage | Damage/breakdown events in the last 12 months | Low and High counts + Weight |
| Unresolved inspection defects | Critical + major inspection defects still open | Low and High counts + Weight |
| Loyalty credit (reduces score) | Rewards established customers | Min orders, min tenure (months), and credit points to subtract |
The two Overdue rows share a single toggle — turning on Overdue asks you to fill both the days past due row and the total amount row. Placeholder numbers in each box are only suggestions; enter values that fit your own policy.
3. Clear any remaining requirements
While scoring is enabled, the page checks your setup and lists anything still needed — for example, ascending cutoffs, at least one factor turned on, or a threshold left blank. The Save button stays disabled until every item is resolved. Each factor’s thresholds must also ascend (Low is less than High).
4. Save
Click Save. Once saved with the master Enable automated scoring toggle on, Rentablez begins scoring customers using your rules.
Defaults could mis-flag good customers. Because thresholds vary so much by business, nothing is pre-filled. Start conservative, preview the impact (below), and adjust.
Preview the Impact First
Before you save a big change, click Preview impact. Rentablez scores a sample of your customers with the current on-screen settings — without saving — and shows how many would land in each badge bucket.
If any customers currently marked Good would flip to Medium or High under the new rules, a warning tells you exactly how many. Use this to sanity-check your cutoffs and weights before committing.
Recalculating Existing Customers
When you change your rules, customers who were scored under the old configuration become stale. While scoring is enabled, a Bulk rescore panel shows how many customers are on a previous configuration.
Click Recalculate all now to rescore everyone against the current rules. For larger customer bases this runs in the background and shows live progress (for example, “Recalculating 120 / 400…”). When it finishes, the panel reports that all customers are up to date.
How the Badge Appears on a Customer
Open any customer record and look at the Risk Profile section. Its behavior depends on whether automated scoring is on:
- Scoring OFF — Risk Profile is a simple manual dropdown. You pick Good / Low Risk / Medium Risk / High Risk yourself.
- Scoring ON — the customer shows a system-computed badge, a numeric score out of 100, a plain-language System assessment of why, and an expandable Factor breakdown listing each factor’s point contribution. The dropdown is locked to the computed value.
To override the computed result on a specific customer, tick Override risk profile (labeled “Set a manual value”). This pins the customer’s risk profile — the badge shows a Pinned marker instead of Auto, and the dropdown becomes editable. Only pinned customers can be set to Barred, since barring is a deliberate manual decision. Automatic rescoring leaves pinned customers untouched.
Every customer has a Risk Profile — notes field regardless of mode. Use it to record disputes, special terms, or the reason behind an override. Notes are visible to your team only.