With credit management on (0.6), the application watches each customer's exposure: everything they already owe on posted invoices, plus the value of their approved orders not yet invoiced — tomorrow's debt counts today. Exposure is measured in your books' currency, converting each customer's balance at the stored rates. And it is counted net of money already banked: a down payment held against an order reduces the amount that order counts for, and money a customer has paid on account (an unallocated balance) reduces what they count as owing. A payment that reduces what a customer owes moves the figure the moment the receipt posts — and moves it back if the receipt is reversed.
When exposure crosses the line, the customer's orders go on credit hold, and the hold always names its reasons:
- Limit — exposure has passed the customer's credit limit.
- Overdue — invoices have sat unpaid beyond the overdue line your company sets.
- Prepayment — the customer's limit is zero: they must pay in full before goods move, and the hold lifts when the deposit does.
- Manual — a person placed the hold deliberately, from the customer record. A manual hold never releases itself.
A financial hold also releases itself the moment the figures stop justifying it: pay against a Limit-held order — in full, or enough to bring what the order still counts for inside the limit — and the hold lifts on its own when the receipt posts. No override is needed for a hold the money has answered.
A hold bites at the waybill: held goods do not leave. The Credit Holds page lists every held order with its reasons; the order itself carries a banner saying why it is held and since when. Releasing a financial hold (limit, overdue, prepayment) takes the release credit-holds permission and a written note — and manual holds are not released by that override; they are lifted where they were placed. Every release is written into the order's Activity trail: who released, when, and the reason they recorded. The design is deliberate — a release is a credit decision, and credit decisions carry names.