Administration
Credit limits
How much each customer owes or has in flight against its credit limit, which accounts are refusing loads, and how to ask for or decide a new limit.
Every customer has a credit limit. Credit limits shows each account's exposure (what it owes plus what it has in flight) against that limit, and the requests to change it. Reading a request beside the exposure means nobody decides blind.
- Where
- Administration → Credit limits (/credit)
- Who can open it
- Approvals · view (all accounts) or Customers · view (a sales agent sees their own customers)
- Who can ask for a new limit
- Customers · edit (Sales Managers, for customers they own)
- Who can decide
- Approvals · approve
- Near-limit warning
- At 85% of the limit
- Saves to
- CreditRequest, the customer's limit (on approval), notifications and the audit log
How exposure is measured
Exposure is the customer rate still unpaid on every load of that customer that is not paid and not cancelled. That covers both invoiced loads not yet paid and loads still moving.
| State | When | Word and colour | Blocks new loads? |
|---|---|---|---|
| Inside limit | Under 85% of the limit | Inside limit | No |
| Near limit | 85% of the limit or more | Near limit | No |
| Over limit | Exposure above the limit | Over limit | Yes |
| Not approved | The customer is pending or rejected | Not approved | Yes |
| No limit set | Approved with a limit of zero | No limit set | No |
What you see
The header badge says either N blocked in red or All inside limit.
Figures
| Figure | Meaning |
|---|---|
| Exposure | Unpaid invoiced plus everything in flight, across all accounts shown |
| Headroom | What is left to book on approved accounts inside their limit |
| Refusing loads | Accounts over the limit or waiting on a credit decision |
Utilisation
A bar per customer with a limit, worst first, showing exposure against the limit, with the total "exposure of limit" in the card header.
Requests
Pending requests appear in their own card. Each shows the customer, the current limit → the requested limit, the justification, who asked and when. An approver sees a Decide button; anyone else sees "Waiting on an approver".
Exposure table
Blocked accounts first, then by exposure.
| Column | Meaning |
|---|---|
| Customer | Name, with terms and the gate's own sentence underneath |
| Open | Open loads |
| Exposure | Money at risk |
| Limit | The credit limit, or a dash |
| Against limit | Percent used, a small meter, and the state word |
| Headroom | Left to book, or how far over the limit |
Rows over the limit are tinted red; rows near it amber.
Ask for a new limit
Click Raise credit request
In the page header. It opens "Credit request". Only shown if you have Customers · edit. A link to this page with?customer=already picks the customer.Pick the customer
You see its current limit and exposure.Enter the new limit and why
The justification needs at least 10 characters: "Say why in a sentence — the approver reads this."Click Raise request
Everyone who can approve is notified, and the request appears here and on Approvals.
The server refuses when:
- You are a sales agent and the customer is not yours: "You can ask only for the customers in your own book."
- The limit you asked for is the one already on file.
- A request for that customer is already waiting.
Decide a request
Click Decide, write a comment, then Approve or Reject. Approving writes the new limit onto the customer at once. The requester is notified. The audit entry records the old and new limit and your comment.
Related
- Approvals
- Customers
- Receivables
- New load: where the credit check blocks a booking