Define limits, concentrations and approval authority.
Employer Risk OS
Underwrite employer exposure before payroll is at risk.
Set funding limits, monitor deterioration and route intervention from the same commercial-risk record.
Risk mandateSet appetite. Monitor exposure. Act on deterioration.Synthetic employer data and illustrative decisions.
Policy engine online
PG-B2B-US-2.1Risk views
NL
Applicant company
Northstar Labs, Inc.
Technology services • United States • 286 workers Monthly payroll volume$742,000+11% YoY
Funding reliability99.4%18 of 18 cycles on time
Country exposure6 marketsLargest market 34%
Workforce concentration22%Largest entity share
Liquidity coverage1.7×Verified cash / next payroll
Deel tenure21 months$13.2M processed
Requested payroll-funding limit$500,00030-day revolving facility • synthetic application
Credit recommendation
$350,000 approved limit
Risk band B+ • Review cadence 30 days82/100
Approved 70% of request
Available$132,000Remaining commitment
Utilized$218,00062% utilization
Expected loss$1,3731.8% PD × 35% LGD
Decision rationale
PG-B2B-US-2.1- 99.4% funding reliability across 18 completed payroll cycles.
- Requested limit remains below one month of verified payroll volume.
- Country and entity concentrations remain within policy thresholds.
- Conditions: weekly liquidity feed and 30-day limit review.
Normal monitoringInitial employer decision completed in 312 ms
Leadership review