Hardware wholesale: credit sales with a real ledger

Challenge

Regular builders bought on short credit but balances lived in multiple notebooks. Risky accounts still got new credit at the till.

Solution

On-account POS posting to customer ledgers, aging statements, credit blocking, and CRM follow-up for collections.

Results

• Sales staff see open balance before extending credit
• Collections calls use aging buckets, not guesswork
• M-Pesa payments allocate to open invoices and on-account sales

Modules used

POS · Customer ledger · CRM · Invoices · M-Pesa

“Credit is still part of the business, but it is visible every morning.”