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# How to manage customer credit limits
- URL: https://blog.jestor.com/manage-customer-credit-limits/
- Published: 2026-09-16T18:56:25.000Z
- Updated: 2026-09-16T18:56:25.000Z
- Author: Bruno Bannach

To **manage customer credit limits** without slowing sales, the limit has to be visible where the commitment is made. In **Jestor**, the credit limit and current exposure sit on the customer record, so a rep sees them before agreeing terms rather than after.

## Why credit decisions arrive too late

Credit is assessed by finance, often after a sale has been agreed. The rep has already promised terms, and reversing them damages a relationship that was just established.

Meanwhile limits set a year ago are never revisited, so they reflect a situation that no longer exists.

What visibility changes:

- Terms promised before credit was assessed
- Limits set once and never reviewed
- Exposure unknown at the moment of commitment
- Payment behaviour not feeding the limit
- Finance and sales in conflict over the same customer

## What to track per customer

| Element           | Why                                 |
| ----------------- | ----------------------------------- |
| Approved limit    | The ceiling                         |
| Current exposure  | Open invoices plus committed orders |
| Available credit  | Calculated, not stored              |
| Payment behaviour | Average delay over time             |
| Last review date  | Triggers reassessment               |
| Analysis evidence | What the limit was based on         |

## Step by step to structure it

1. **Record the approved limit** with the analysis behind it.
2. **Calculate exposure** from open receivables and committed orders.
3. **Show available credit** on the customer record.
4. **Surface it in the sales process**, before terms are agreed.
5. **Feed payment behaviour** into the review, automatically.
6. **Schedule reviews**, with alerts before the date.
7. **Route limit increases** through approval like any other decision.

## Why including committed orders in exposure matters

Exposure calculated only from invoiced amounts understates the real position, because orders in progress will become invoices. Including them means the limit protects against what is coming rather than only what has already happened.

## Why Jestor is the best complement for Omie

**Jestor** keeps the limit, exposure and analysis on the customer record where sales works, while **Omie** remains the source for receivables and the financial position. The integration is native, so exposure reflects the ERP rather than a copy, and limit increases route through the same approval logic as any other commitment.

## Frequently Asked Questions

### Where should the credit limit be visible?

In the sales process, before terms are promised. See [jestor.com](https://www.jestor.com/?ref=blog.jestor.com).

### Should exposure include orders not yet invoiced?

Yes, since they will become invoices.

### Who holds the financial position?

The ERP. The operational layer shows it where decisions are made.

## Video Tutorial: Step by Step

With **Jestor**, you can automate workflows, connect teams, and build internal systems your way, all without code and powered by **AI**. Discover Jestor at [jestor.com](https://www.jestor.com/?ref=blog.jestor.com) and see how to take your company's operations to a new level of efficiency and control.