Cases
      Back to home
      1. Customer Success- Knowledge Hub Information
      2. Cases

      Onboarding Case Statuses & Transitions

      Descriptions of Case Statuses in the Onboarding Process

      Introduction

      In the Worth portal, cases fall into three primary types:

      • Onboarding

      • Risk Assessment

      • Application Edit

      This guide focuses only on the Onboarding case type, which represents the early stages of an application. Understanding how statuses progress in this phase is essential for accurate, efficient application processing and helps underwriters take timely action.

      📖 Quick Definitions (Used Throughout This Guide)

      Status Definition
      Onboarding The applicant has entered basic info to begin the application (e.g., TIN, business name).
      Submitted All required fields are completed, and the applicant clicked “Submit Application.”
      Pending Decision The application awaits integration results or encounters processing delays/failures.
      Under Manual Review The case lacks the minimum data required to generate a Worth Score and needs human review.
      Info Requested An underwriter reviewed the case and requested more data or documents from the applicant.
      Auto Approve The application is automatically approved based on a high Worth score.
      Auto Reject The application is automatically rejected due to a low Worth score or failed checks.
      Manual Approve The case was approved by an underwriter after a manual review.
      Manual Reject The case was rejected manually by an underwriter.
      Archive The case was abandoned, expired, or left incomplete—closed for recordkeeping.
       

      🧭 Detailed Onboarding Statuses & Transitions

      1. Onboarding

      • Trigger: Applicant enters basic info such as TIN and Business Name.

      • Description: The application has started but hasn’t been submitted yet.

      • Next Step: Once the applicant completes all required fields and submits, it moves to Submitted.

      2. Submitted

      • Trigger: Applicant clicks “Submit Application.”

      • Description: The application is now in the system, ready for automated checks (like integration and scoring).

      • Next Step: Transitions to:

        • Pending Decision if checks are in progress or delayed

        • Auto Approve or Auto Reject based on score

        • Or escalated to Under Manual Review

      3. Pending Decision

      • Trigger: Integrations (e.g., third-party checks) are still processing or encountered errors.

      • Description: The case is temporarily held until all verification services respond.

      • Transition Path:

        • From Submitted → Pending Decision

        • May move to Under Manual Review if validations fail or data is insufficient

      4. Under Manual Review

      • Trigger: The case does not meet minimum requirements to generate a Worth score:

        • Revenue is missing, or

        • Both NAICS code and Year Established are missing

      • Description: Human review is needed. These cases are flagged red and prioritized.

      • Action Required:

        • Manually assess the available data

        • Optionally request missing fields (Revenue, NAICS, Year Established)

        • Decide whether to:

          • Move to Info Requested

          • Return to Submitted for reevaluation

          • Proceed to Manual Approve/Reject

      • Transition Path: Can arrive here from any earlier status, especially Pending Decision.

      5. Info Requested

      • Trigger: An underwriter flags the need for additional documents or corrections.

      • Description: The applicant must respond with new or corrected information.

      • Transition Path:

        • From Under Manual Review → Info Requested

        • After applicant responds: → back to Submitted for reevaluation

        • Then, could progress to Auto Approve, Auto Reject, or return to Under Manual Review

      6. Auto Approve

      • Trigger: The Worth Score meets or exceeds the auto-approval threshold (default is 700).

      • Description: Strong, verified application. Instantly approved without human review.

      • Transition: Final status – no further action required.

      7. Auto Reject

      • Trigger: Worth Score is below the rejection threshold (default is 549) or based on your customized routing rules.

      • Description: Application is rejected automatically due to poor data, failed checks, or risk.

      • Transition: Final status.

      8. Manual Approve

      • Trigger: A human underwriter approves the case after reviewing all provided data.

      • Description: Case is accepted based on manual assessment.

      • Transition: Final status.

      9. Manual Reject

      • Trigger: A manual review concludes the applicant does not meet the criteria.

      • Description: Application is denied by an underwriter.

      • Transition: Final status.

      10. Archive

      • Trigger: Automatically triggered after a set number of days (e.g., 30 days) with no action, or manually moved by an underwriter.

      • Description: Case is inactive (e.g., abandoned, expired, or unresolved) and stored for compliance/recordkeeping.

      • Conditions: Applies only to non-final statuses like Submitted, Pending Decision, Info Requested, or Under Manual Review.