Credit limit and outstanding

Outstanding receivables

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Add a screenshot here: a customer’s financial summary showing outstanding receivables, credit balance, credit available and the overdue flag.

Each customer shows its total outstanding receivables and balance, so collection and credit decisions are accurate.

• Payment terms / credit days on the customer set the due date on each invoice.
• A customer is flagged overdue when it has a balance due past the due date. Use the Overdue filter on the list to find them.
• Outstanding figures reconcile with the finance ledger.

Credit limit

Set a credit limit (in the customer’s currency) to cap how much exposure you’ll allow.

At the point an order or invoice is confirmed, the system checks:

current outstanding + new exposure vs. credit limit

• Within the limit → the transaction proceeds normally.
• Over the limit → confirmation is blocked with a clear over-limit message.

Overriding an over-limit block

An authorised user can override the block and let the transaction through. The override is logged with who did it, when, and the amount, so exposure is never silently exceeded.

AR aging

The aging summary breaks receivables into buckets, current, 1-30, 31-60, 61-90 and 90+ days, computed from open invoices against their due dates. Aging appears on the customer profile and can be shown as an optional column on the list, giving you receivables risk at a glance. Clicking a bucket opens the open invoices for that customer in that bucket, so you can act on them straight away. Customers with multiple currencies get per-currency sub-buckets, and the snapshot can be exported.

Credit hold

A credit hold freezes a customer independently of the credit-limit maths, use it for non-payment, a dispute, or a risk review.

1. Open the customer and turn on Credit hold. A reason note is required.
2. While on hold, new offers, orders and invoices are blocked (or warned, depending on your configuration), regardless of available credit.
3. The hold shows as a banner on the profile and a chip on the list.

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Add a screenshot here: a customer profile with the red credit-hold banner at the top and the reason note, plus the hold-history panel below.

Only an accounts manager or admin can set or clear a hold. Every set/clear is audit-logged with actor, reason and timestamp, and the profile keeps a hold history. Placing a hold never cancels open orders, it only blocks new ones.

Masked financial data

Bank and credit figures are sensitive, so they are hidden from roles that aren’t permitted to see them:

• Without bank-view permission, bank fields appear masked everywhere, the detail page, the list, and any export.
• Without credit-view permission, the credit limit and balance appear masked everywhere.

Masking is enforced by the system itself, not just hidden on the screen, masked values are never sent to your device at all. Permitted roles see the full values, and attempts to edit a masked field without permission are rejected.