Manage sales growth in a balanced way with customer risk, accounts receivable quality, and cash flow.
Wholesale sales on credit essentially mean providing credit to the customer. Credit checks should not be limited to limit comparisons at the time of ordering; open orders, unshipped commitments, invoices, overdue receivables, collateral, and payment behavior should all be evaluated together.
Minerva Credit & Collection Management links customer risk to the sales process. Credit limit and policy controls can be applied during the offer, order, or shipment stages; risky transactions can be automatically blocked or directed to authorized approval.
Credit management
Customer and group-based credit limits
Open order, shipment, invoice and check/bill risks.
Collateral, bank guarantee and insurance information.
Risk class, credit score, and review dates.
Limit overruns, maturity overruns, and special blocking rules.
Temporary limit and exception approvals
Reasoning behind credit decisions and audit trail
Collection management
Accounts receivable aging and prioritization
Reminder, warning, and collection strategies
Search, email, visit, and follow-up tasks.
Payment commitment, expected date and progress tracking.
Objection, dispute, and underpayment management
Customer, responsible person and collection team performance
Predictive models can generate early signals for payment delays or increased risk. Decisions should be explainable and used in conjunction with customer relationship, current financial information, and human judgment.
Position credit control not as an obstacle to sales, but as a shared management discipline that protects sustainable growth and healthy cash flow.