Customer credit tracking that shows your real exposure
Selling on account is how business gets done here, until the notebook stops adding up. inyad tracks credit balances per customer, logs each cheque with its maturity date so nothing falls due unseen, and shows your net receivables at a glance, so you know who owes you what.
Credit that's visible is credit you can manage
One screen shows who owes you, which cheques you already hold, and which balance needs a phone call today.
See every customer's balance in one place
Credit you cannot see is credit you cannot collect. What sits in a notebook stops being a debt and starts being a loss.
Chase what you're owed before it ages
The older a balance gets, the less of it you recover. Waiting for month-end to notice is what turns late into never.
Know your real risk, not just the headline number
The total owed is not the risk. What matters is how much is covered, and how much is truly exposed if a client stops paying.
Customer credit tracking, from first sale to final payment
Each account carries a running balance, the cheques you are holding against it, and the net exposure that remains.
A running credit ledger for every customer who buys on account
When a customer takes goods today and pays later, inyad opens a credit balance against their profile. Every purchase adds to it and every payment reduces it, giving you a running ledger of where each customer stands. You set the terms, inyad keeps the score, even offline.
- Add a credit transaction against any customer in your directory, the balance updates at once
- See each customer's full credit history: what was taken on account, paid, and still outstanding
- Each customer's running balance is visible at the counter before more credit goes out
Log every cheque the moment it arrives, track when it's due
In many markets, customers settle credit balances with post-dated or deferred cheques rather than immediate payment in cash. Each cheque is a promise to pay on a future date, so inyad logs it against the customer with its amount, its date, and its status before deposit day.
- Log incoming cheques with the amount, due date, and the customer they came from
- See every cheque coming due this week or this month in one view, nothing missed at deposit time
- Mark cheques as deposited or bounced and keep the customer's balance updated accordingly
The number that matters: what you're still owed after cheques
A credit balance tells you what a customer owes, but if they have already handed you cheques covering most of it your real risk is smaller. inyad calculates net exposure, credit outstanding minus cheques in hand, so you see who is a genuine collection priority and who can wait.
- Net exposure = credit balance minus cheques held, calculated automatically per customer
- Sort customers by net exposure to quickly find where your real collection risk is concentrated
- Use net exposure to decide whether to extend more credit, pause it, or follow up directly
One toolkit to manage every receivable
Balances on account and cheques still to clear sit side by side, netted into one exposure figure per customer.
For any business that sells on account
Whether you invoice after a job or let regulars buy on account, the ledger replaces the notebook and spreadsheet.
Service companies & agencies
You extend credit on every order. inyad gives you a live ledger per client and a net exposure view you can act on.
Manufacturers & wholesalers
Delivery notes become invoices, invoices become balances, and cheques cover them. The whole chain stays on the client's ledger.
Independent professionals
Whether you invoice after a job or let clients pay on terms, inyad tracks what each client owes and which cheques are coming due.
Startups
Clients on 30 or 60 day terms are a cash-flow risk you can see: receivables, cheques in hand, and net exposure on one screen.
Customer credit tracking works better with the rest of inyad
Your credit ledger lives in the same inyad platform as your sales, customers, cash, and payments, a credit sale is entered once at the POS.
Customer directory
Your credit ledger is built on customer profiles, every balance linked.
Learn moreCash management
Cash paid against a credit balance flows into your reconciliation.
Learn moreInvoicing
Invoice a credit sale and track the invoice and the balance together.
Learn moreBusiness account
See your receivables alongside your full business financial picture.
Learn moreBusinesses that know exactly what they're owed
I had customers who owed me money for months and I didn't even know how much. Now I can see every balance in seconds and I know exactly who to call.
The cheque tracking is the feature no one else has. I used to write cheques on sticky notes. Now I see everything that's due this week in one screen.
Common customer credit and cheque tracking questions
What is net exposure tracking, and how does it protect my wholesale distribution business?
How does my counter team know exactly when to stop extending credit lines to a customer?
Can the platform track customer cheque maturity dates and send alerts before they are due?
Can I export customer credit balance sheets and check directories directly for my accountant?
Stop guessing who owes you, and how much
A clear credit ledger per customer, every cheque logged and due-dated, and your net exposure always in view.
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