Worked scenario
Small purchases daily, one balance nobody looked at
Trade accounts built from many small purchases grow past their limit without any single transaction looking like a decision.
3 min read
A contractor takes a few items on account most days. No individual purchase is large enough to prompt a check.
The limit is never consulted
Where checking a balance means leaving the counter, it does not happen during trade hours — which is when all of these purchases occur.
Sites end and accounts do not
Contractors finish jobs and move on. An account tied only to a person, with no view of ageing, keeps supplying into a relationship that has quietly ended.
What changes
- Running balance visible at the counter on every account sale
- Limits enforced at the point of sale
- Ageing by contractor and by site where relevant
- Statements produced rather than compiled
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