Credit sales are a feature of trust, not a bug
Hardware stores, distributors, and agro dealers often sell on short credit to repeat buyers. The danger is not offering credit. The danger is offering credit without a live ledger.
Minimum controls every business should have
- On-account at POS with named customer. Anonymous "credit" tickets become uncollectible noise.
- Formal customer ledger. Charges, payments, returns, and invoice balances in one AR story.
- Aging and statements. You must see 30/60/90 day buckets before the conversation gets awkward.
- Block list. Staff must be able to block on-account for high-risk accounts without deleting the customer.
- Till authorisation. Selling on credit should require supervisor approval at busy tills.
- Collections workflow. Oldest balances paid first (FIFO), linked to receipts customers recognise.
Credit limits: policy vs software
Even before automated credit limits, owners should set internal caps per customer group. Software should at least show open AR on the customer record and prevent blocked accounts from new on-account sales. Automated limits are the next maturity step; discipline and visibility come first.
What Biashara ERP ships today
On-account POS, customer ledger entries, aging statements, credit blocking, partial payments, returns with credit notes, and CRM touchpoints for follow-up. Use features and demo to map this to your wholesale workflow.
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