B2B account and credit terms application
How do we open a business buyer's account and decide credit terms with the documents, the references and the tax exemption certificates collected and checked?
Run the application as a checklist the business clears through a link, with credit decided on verified data. Callvu prefills the application from the business's registration and the public registry (the legal entity, the address, the officers), classifies the requirements by the terms requested and the purchase volume (the business verification and the authorized buyers, the trade references and the financials for credit terms, the tax exemption certificates by state for tax-free purchasing, the resale or exemption basis), collects each through the applicant's link with the documents read on arrival, verifies the business and the owners, pulls the commercial credit report and contacts the references, checks each exemption certificate for the state, the form, the signature and the expiry, routes the credit decision to the credit desk in the Decision Desk with the data, and writes the approved account with its terms, its credit limit, its authorized buyers and its exemption status by state to the order management system and the billing system.
In scopeComplex: multi-party handoffsCallvu moves: prefill, chase and verify, decide, write back
Last updated November 7, 2026.
The problem today
The business account was opened with net terms on an email from a procurement address, and the tax exemption was applied on an expired certificate from another state.
Business buyers want an account, terms and no sales tax. The sales team wants the order. The application is an email thread: a credit application PDF, a reference list nobody calls, a tax certificate that is expired or for the wrong state. The account goes live, the order ships on terms, and the collections team and the sales tax auditor find the problems a year later.
The requirements are rules: the business and its authorized buyers verified; credit terms decided on a commercial credit report, references and financials under the credit policy with its authority limits; each tax exemption certificate valid for the state of delivery, on the state's form or the multistate form, signed, with the exemption basis stated, and renewed before it expires, because an invalid certificate makes the seller liable for the tax. Each is a document the applicant can supply through a link and a check the process can run.
An account opened on verified data with valid certificates is one the credit and the tax teams do not revisit.
How it runs
From the requestto the system of record.
A business applies for an account or for credit terms, from the website, a sales representative or a procurement portal. Callvu opens the application.
- Business applicant
- Provides the business details, the authorized buyers, the references, the financials and the exemption certificates through a link.
- Credit desk
- Decides the credit terms and the limit in the Decision Desk.
- Tax team
- Decides questionable exemption certificates in the Decision Desk.
- Callvu
- Prefills, classifies, collects, verifies, pulls reports, routes and writes.
Prefill and classify
The application is prefilled from the business's registration and the public registry (the legal name, the entity type, the registered address, the officers, the years in business); the terms requested (prepaid, card on file, net terms with a limit), the expected volume, the delivery states and the exemption basis classify the requirements and the credit policy's data needs.
Chase and verify
Each requirement is collected through the applicant's link and read on arrival: the business verification (the registry match, the beneficial owners where the policy requires, the sanctions screening), the authorized buyers with their roles and limits confirmed by the business's signatory, the trade references (contacted through their own links for the payment history) and the financials for the terms requested, the commercial credit report pulled with the applicant's authorization, and the tax exemption certificates for each delivery state checked for the state's form or the multistate form, the exemption basis, the signature, the identifiers and the expiry; a defective certificate is chased with the specifics.
Decide
The credit desk decides the terms, the limit and any security (a guarantee, a deposit) in the Decision Desk with the report, the references, the financials and the policy's scoring, and only the allowed outcomes (approve the terms, approve with a lower limit or security, prepaid only, or decline with the reasons); a questionable certificate (an unusual basis, a blanket certificate for a mixed use, a state that does not accept the form) goes to the tax team in the Decision Desk with only accept, request a corrected certificate, or tax the purchases.
Write back
The approved account with the terms, the credit limit, the authorized buyers and their limits, the exemption status by state with the certificate expiry dates and the invoicing preferences is written to the order management system, the system of record, and the billing system, the applicant receives the account and the terms, and the certificate renewals are scheduled before expiry.
Where it ends: The business account was opened on verified data, the credit terms decided by the credit desk with the report and the references, the exemption certificates checked state by state and scheduled for renewal, and the systems hold the terms and the exemption status. The Decision Trace shows the classification, the verifications and the decisions; the Audit Trace shows each document, each reference response and the write with time.
Runtime enforcement
What is enforcedwhile the work runs.
The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.
The handoff
Between the front doorand the back office.
The front door
The website, a sales representative or a procurement portal; the business completes through its link.
The back office
The credit desk and the tax team decide with verified data; sales sees the status.
The Decision Desk
- The credit decision goes to the credit desk in the Decision Desk with the report, the references and the financials and only approve, approve with a lower limit or security, prepaid only, or decline with reasons; a questionable certificate goes to the tax team with only accept, request a corrected certificate, or tax the purchases.
Proof
In scope.Proof at scale, not one process at a time.
The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.
More than 1,000 processes are live across Callvu customers.
Across Callvu customers
Questions
What buyers ask next,answered plainly.
What is collected for credit terms?
The business verification with its owners, the authorized buyers confirmed by the signatory, the trade references contacted through their own links, the financials for the terms requested and a commercial credit report pulled with authorization; the credit desk decides under the policy.
How are tax exemption certificates checked?
For each delivery state: the state's form or the multistate form, the exemption basis, the identifiers, the signature and the expiry, with a defective certificate chased and renewals scheduled before expiry.
What does a decline include?
The reasons, within thirty days of a complete application where the ECOA rules apply to the business.
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