Step 1.3 — HaulPay Shipper Profile Creation and Credit Check
Phase: Phase 1 — New Shipper Onboarding Owner: Accounting (profile creation and credit check receipt) · HaulPay (credit check execution) Trigger: Complete Shipper Onboarding Intake Form received (Step 1.1) and Sales intro email sent (Step 1.2).
🎯 Ideal State
Accounting creates the Shipper profile in HaulPay. This is the first external system entry. All data comes directly from the intake form — no re-collection, no re-typing from memory.
Data entered into HaulPay:
Data Field Source Shipper company legal name Intake form Physical address Intake form Mailing address Intake form Federal Tax ID / EIN Intake form Billing contact name Intake form Billing contact email Intake form Billing contact phone Intake form Requested payment terms Intake form Credit check: Upon profile creation, HaulPay automatically runs a credit check on the Shipper. No additional action required from Accounting — it is triggered by the profile creation event.
Credit check results — three tiers:
Tier Meaning Forza Action Tier 1 — Non-recourse HaulPay buys invoices and absorbs non-payment risk. Best outcome. Proceed to Step 1.4. Tier 2 — Recourse only HaulPay buys invoices but charges back to Forza if Shipper doesn’t pay. Forza absorbs loss. Proceed to Step 1.4. Flag in Shipper profile as recourse. Tighter monitoring required. Tier 3 — Declined HaulPay will not factor invoices for this Shipper. Binary decision: walk away or self-finance. → Step-1.3a-Self-Finance-Decision-Path Shipper billing detail confirmation: HaulPay offers billing detail confirmation outreach (via 562 area code call and/or
@haulpay.ioemail). Forza can use HaulPay’s outreach service, handle it internally (Accounting does today), or combine it with the NOA acceptance into a single Forza-led communication. See Step-1.8-Debtor-Verification-NOA-Outreach for full design discussion.
🤖 SYSTEM AUTOMATION
Profile creation is human (data entry from intake form). Credit check is fully automated by HaulPay upon profile creation. The decision framework is policy-driven — Tier 1 and Tier 2 proceed without management involvement; Tier 3 requires Founder-CEO sign-off per Step-1.3a-Self-Finance-Decision-Path.
🛑 HARD GATE
Credit check result must be received and a decision made before proceeding to Step 1.4 (EZ-Loader profile creation). There is no point creating operational infrastructure for a Shipper who will ultimately be declined and walked away from.
📍 Current State
- Accounting creates Shipper profiles in HaulPay manually when notified (often informally) that a new Shipper is coming on.
- Data is sometimes copied from emails rather than a structured intake form — data quality is inconsistent, causing mismatches between HaulPay and EZ-Loader that create downstream reconciliation issues.
- HaulPay offers Shipper billing detail confirmation outreach as part of their standard service, but Accounting has opted to handle this in-house. Accounting combines billing confirmation and NOA acceptance into a single outreach email — documented in Step-1.8-Debtor-Verification-NOA-Outreach.
- Tier 3 declines are handled ad hoc. No formal self-finance approval process. No documented approval, no tracked exposure, no written decision record.
Who does this today: Accounting.
🚧 Gap
- Data for HaulPay profile creation is not sourced from a single structured intake — data quality is variable.
- No formal decision process for Tier 3 declines.
- No systematic capture of HaulPay’s credit score when helpful for decision-making.
- Debtor verification outreach quality is an open question — see Step-1.8-Debtor-Verification-NOA-Outreach.
🛠️ Gap Closure Actions
- Action 1 — Establish SOP: HaulPay profile creation only begins after intake form (Step 1.1) is complete and intro email (Step 1.2) is confirmed sent (Owner: Casey + Accounting | Dependency: Steps 1.1 and 1.2 closed | Effort: Low)
- Action 2 — Establish policy: for every Tier 3 decline, Accounting requests a HaulPay credit score as decision support before presenting to Founder-CEO (Owner: Casey + Accounting | Dependency: None | Effort: Low)
- Action 3 — Document Tier 1 / Tier 2 / Tier 3 response playbook for Accounting (Owner: Casey + Accounting | Dependency: None | Effort: Low)
Previous: Step-1.2-Sales-Introduction-Email | Next: Step-1.4-EZ-Loader-Shipper-Profile-Creation (Tier 1/2) or Step-1.3a-Self-Finance-Decision-Path (Tier 3)