Credit control

Credit control prevents margin erosion from non-paying customers. The platform enforces credit rules at booking and billing time.

Customer credit profile

Each customer has:

• Credit limit — maximum total outstanding (AR + unbilled accruals) allowed.
• Payment terms — net 0 / 7 / 15 / 30 / 60.
• Credit rating — free text or picked from an internal tier (AAA, AA, A, B, C).
• Credit review date — next review.
• Credit hold — boolean; if true, bookings are blocked.
• Collector — internal owner of the relationship's collection.

Configured at /app/customers/{id}/credit. FINANCE_ADMIN or COMMERCIAL_ADMIN edit.

Credit check at booking

When a new booking is created, the platform sums:

• Current outstanding invoices.
• Unbilled accruals (quotes + bookings not yet invoiced).
• This new booking's estimated value.

If the total exceeds the credit limit, the booking goes into credit hold state:

• Not released to ops; no pickup / dispatch.
• Finance sees it in a queue on /app/finance/credit-holds.
• Finance either approves the override (with reason, audited) or refuses.

Credit hold override

Ways to unhold:

• Increase the credit limit (permanent change).
• Approve the single booking (one-off override, limit unchanged).
• Wait for a payment to clear, then retry.

Overrides are logged with user, timestamp, and reason.

Blocked customers

A customer with credit_hold = true can't have new bookings at all — regardless of limit. Used for customers in collection disputes, legal cases, or off-boarding.

Early-warning signals

Finance sees an "at risk" view on the dashboard — customers nearing limit, customers with invoices aging > 60 days, customers with promises-to-pay missed. Weekly email digest to the collector.

Integration with commercial

Sales / AM users see the credit status on every customer and booking record. Prevents awkward "you're over limit" surprises at booking creation — they can escalate proactively.