> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincelo.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Renewal Agent

> How the Renewal Agent manages pipeline, health scores, and grace periods.

### RENEWAL AGENT — Q\&A

***

**Q: When does the Renewal Agent start tracking a contract?**

180 days before the contract end date. At 180 days:

* Contract enters the renewal pipeline
* Renewal health composite score calculated (1–100)
* Projected ARR flagged in the forecast waterfall

Alert sequence:

* 180 days: added to pipeline, AM notified
* 120 days: health score calculated, upsell opportunity flagged to AM
* 60 days: escalation if renewal quote not sent
* 30 days: daily CFO briefing item
* 14 days: urgent — immediate CFO + AM action
* 7 days: critical — CFO, AM, and senior leadership

***

**Q: What happens when a contract expires without renewal confirmation?**

Fincelo never shows "Expired" if renewal intent has been flagged.
Instead, it activates a configurable grace period (30/45/60 days).
ARR is marked "At Risk — Grace Period" in the waterfall (not churned).
Three gap billing options are presented to the CFO:

1. Bill the gap period at the existing rate
2. Extend the expiring contract by the gap period
3. Mark as goodwill — no invoice for the gap

Fincelo never auto-decides. CFO chooses and the choice is logged.

***

**Q: What is the renewal health composite score?**

Score 1–100 calculated from 5 factors:

* Payment score: 30 points max
* Product usage (logins, feature adoption): 25 points max
* QBR / executive engagement: 20 points max
* Support ticket sentiment: 15 points max
* Contract tenure: 10 points max

Below 50 → Renewal agent escalates to AM.
Below 30 → Renewal agent escalates to CFO with churn risk label.
Score updates weekly. Trend shown (improving/declining).

***