Seedha jawab: Distributor credit limit software har party ka maximum udhaar cap set karta hai, bill time outstanding check karta hai, aur aging report se batata hai kaun kitne din se payment nahi kar raha — taaki aap stock bhejne se pehle paisa recover karo, bad debt se bacho.
Wholesale distribution me credit dena business ka hissa hai — koi bhi stockist cash-only nahi chal sakta. Lekin "sabko udhaar, kisi se recover nahi" wala model bankrupt karta hai. Kanpur ka FMCG distributor, Surat ka textile wholesaler, ya Pune ka electrical goods distributor — sab ki Monday morning meeting me top topic: "Kaun kitna dena hai?"
Bina system ke owner ko outstanding tab pata chalta hai jab CA month-end statement bheje. Tab tak koi party aur 2 lakh ka maal le chuka hota hai. Credit limit software yeh gap band karta hai.
Credit limit kya hai aur kyon zaroori
Credit limit = ek party se aap maximum kitna udhaar tolerate kar sakte ho outstanding me. Example: Party A ko 3 lakh limit — outstanding 2.8 lakh hai, naya 50 hazar ka bill = alert ya block.
Limit set karte waqt consider karo:
- Party ka monthly average purchase — typically 1-2 month purchase value
- Payment history — time pe deta hai ya 60+ days leta hai
- Relationship length — naya party kam limit, purana reliable zyada
- Your cash flow — aap suppliers ko kab pay karte ho
- Season — festival quarter me temporary limit bump optional
Outstanding aging — 0-30-60-90 ka matlab
| Aging bucket | Meaning | Action |
|---|---|---|
| 0-30 days | Current — normal credit period | Monitor, no panic |
| 31-60 days | Overdue — follow up start | Phone call, payment reminder |
| 61-90 days | Serious overdue | Visit, partial payment demand, limit review |
| 90+ days | Bad debt risk | Stop supply, legal notice consider, provision |
Har Monday top 20 overdue parties ki list nikalo — yeh ek habit hai jo profitable distributors follow karte hain. Software se yeh list 30 second me — manually 2 ghante.
Bill time credit check — real-time control
Sabse powerful feature: jab billing staff naya invoice banaye, system dikhaye:
- Current outstanding: ₹2,45,000
- Credit limit: ₹3,00,000
- This bill: ₹58,000
- After bill: ₹3,03,000 — OVER LIMIT by ₹3,000
Policy aapki: soft warning (staff owner ko call kare) ya hard block (bill save nahi hoga bina override). Key accounts ke liye one-time override with reason log — owner approval.
Yeh ek hi feature hazaron bachata hai. Staff emotionally "party bole urgent hai" pe bill na banaye jab limit cross ho.
Party ledger — har transaction ek jagah
Credit control bina clean ledger ke impossible. Har sale invoice (+), har payment (-), har credit note (-), har debit note (+) — chronological. Party phone kare "mera balance kya hai" — 5 second me PDF bhejo.
UdyogBill party ledger me: bill-wise outstanding, payment mode (cash/UPI/cheque), cheque bounce track, aur running balance. CRM-style follow-up notes bhi add kar sakte ho — "called on 5th, promised payment 12th".
Collection workflow — weekly rhythm
- Monday: Aging report → call list → assign salesman/accountant
- Wednesday: Mid-week follow-up — jo promise kiya tha payment aaya?
- Friday: Week closing — collection vs target, overdue reduction
- Month end: Statement har party ko — transparency, dispute early catch
Collection target set karo: "Is hafte 8 lakh recover karna hai." Software me payment enter karte hi outstanding update — owner live dekhe.
Partial payment — sahi tareeka
Party 1 lakh dena hai, 40 hazar diya — ledger me partial payment enter, balance 60 hazar. Kabhi "round figure" adjust mat karo bina credit note ke. Har adjustment documented — audit aur relationship dono safe.
Advance payment bhi track: party pehle se 20 hazar diya, next bill me adjust — ledger me clear dikhe.
Credit limit review — quarterly habit
Limit ek baar set karke bhool mat jao. Har quarter review:
- Payment improved? — limit badhao, better service
- Payment deteriorated? — limit cut, tough conversation
- Party volume badha? — limit proportionally adjust
- Party band ho raha? — supply roko, recovery focus
Bad debt prevention vs recovery
Prevention cheaper hai recovery se. Signs jaldi pakdo:
- Payment delay pattern badh raha — pehle 25 din, ab 45 din
- Order volume badha lekin payment same — red flag
- Cheque bounce — immediate limit freeze
- Party shop shift / dispute rumors — market intelligence
90+ days pe supply band karna painful lekin zaroori. "Aur maal doonga to pay karega" — usually jhoot. Cash flow pehle.