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DISTRIBUTION
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Margin you cannot collect is not margin.

Credit limits and terms enforced at order entry, receivable ageing by customer and branch, structured collection follow-up, and the working capital position the business actually runs on.

The problem

Distribution runs on credit, and credit decisions are usually made twice: once formally, when the limit is set, and repeatedly and informally, whenever a salesperson pushes an order through.

The exposure that matters is not the limit but the ageing behind it — and it has to be visible to the person taking the order, not only to the credit controller reviewing it a fortnight later.

Core workflow

Limit to collected cash.

01
Assessment
Limit and terms set on evidence, reviewed.
02
Order check
Exposure and ageing checked at entry.
03
Hold
Automatic hold, override logged with reason.
04
Invoice
Raised on delivery, terms applied.
05
Follow-up
Structured reminder and escalation sequence.
06
Collection
Cash applied, ageing and exposure updated.
What it covers

Credit

Credit limits and termsOrder-entry credit checkAutomatic hold and override logCredit review cycleSecurity and guarantees

Collection

Receivable ageingReminder and escalation sequenceCheque and payment handlingPayment plans and settlementsLegal recovery tracking

Exposure

Exposure by customer and branchBad debt provisioningWorking capital positionDays sales outstandingCustomer profitability after cost
Operational outcomes
38 days
Average collection period
0
Orders shipped over the limit
−44%
Receivables over 90 days
At order entry
Exposure visible to the seller

Ranges observed on Al Jawad engagements. Targets agreed in assessment.

Review exposure across one branch.

We age the ledger, rank the exposure and show what is recoverable in the next thirty days.