How to Run a Credit Approval Process for New Clients

To run a credit approval process, the decision needs a record. Credit granted verbally is credit nobody can evidence when the account goes bad.

Why credit decisions go undocumented

They are made quickly, under commercial pressure.

Terms agreed in a conversation and applied afterwards
No record of what was reviewed before deciding
Inconsistent limits across similar clients
Sales unaware of a decision until a deal is blocked

What the process should capture

Requested limit and terms, stated explicitly
Supporting documents, attached and read by OCR
A verification checklist, evidencing what was reviewed
The decision and its author, recorded on the record
The resulting limit, stored on the client record

How to set it up in Jestor

Create a credit request record in Jestor, connected to the client.
Collect supporting documents through a public form or update link.
Add a checklist confirming what was verified before deciding.
Route the decision by requested value, with higher limits escalating.
Store the approved limit and status on the client record, where other processes read it.

Why choose Jestor for credit control?

Because the limit lives on the client record in Jestor, other processes can read it — a quote or an order can reference the client's status rather than relying on someone remembering.

The checklist provides the evidence that a review took place, which is what an audit of a bad debt asks about.

Frequently Asked Questions

Where should the approved limit live?

On the client record, so other processes read it. See jestor.com.

How is the review evidenced?

Through a checklist on the record.

Can higher limits require escalation?

Yes, routed by requested value.

Video Tutorial: Step by Step

Check out other practical tutorials on the Jestor YouTube channel.

Get to know Jestor

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 and see how to take your company's operations to a new level of efficiency and control.

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