Customer Credit Limits and Statements

Customer Credit Limits and Statements is an offline app: one HTML file in a zip that opens by double-click, with no installation, internet or subscription.

The problem it removes: Credit is given in the UAE on a handshake and a phone call. The salesman says yes to one more order, nobody checks what the customer already owes or how old it is, and the same customer who is 90 days overdue gets another delivery. When the customer disputes the balance there is no statement to show, only a different figure in each person's head.

What is inside:

• A customer list with a credit limit, payment terms, phone, email and a hold flag with a note
• Can I sell on credit?: enter the customer and the order value and see balance, available credit, overdue amounts and the age of the oldest overdue invoice before you say yes
• A ledger per customer for invoices, payments, credit notes and debit notes; an overpayment sits on account
• Payments and credit notes are applied to the oldest invoices first to work out what is overdue
• Warnings when a percent of the limit you choose is used, and a suggestion to put a customer on hold when the oldest overdue invoice passes the days you choose
• A Needs attention list on the Dashboard: customers over limit, near limit, overdue or on hold
• Printable statement per customer with your payment details, or all statements at once
• CSV import of customers and limits, and of transactions (invoices, payments, credit notes), example files, CSV export, JSON backup and restore

In the zip: index.html (the app), README.txt (quick start, how it calculates, limits) and EXAMPLE-DATA with a made-up example you can restore, plus 2 example CSV files in the layout the importer expects. Start in 10 minutes: open index.html, press Load example data, look around, press Clear everything and enter your own settings.

Rules are settings, not built in. Default payment terms, the percent of the limit that triggers a warning, the overdue days that trigger a hold suggestion, the ageing buckets and the text printed on statements are settings. Limits are your own policy: the app does not decide who deserves credit.

Who it is for: distributors, wholesalers, contractors and service companies that sell on account and want a quick answer before shipping.

What it is NOT: accounting software and it does not read your books: balances are only as good as the entries you import or type. It does not stop a sale: a hold flag is a reminder for sales and warehouse staff. If your customers pay specific invoices the overdue figure can differ from your accounting system because the app applies payments oldest first; treat it as a guide. Receivables ECL Provision Matrix is a finance calculator for provisions; Invoice Chase Desk chases unpaid invoices after the fact; Credit Control and Getting Paid in the UAE is a course. This app is the limit check and the statement.

Your data stays on this device in your browser. Back it up with Export; clearing browser data loses it otherwise.

Verified by us: 49 scripted checks through the real screens in Chromium, at 1280 px and 375 px, with an independent Python recomputation of every customer's balance, available credit and oldest-first overdue, the order check, a limit breach, overpayment, holds, both CSV imports (with and without a type column), settings and backup. The statement was rendered to PDF and looked at. The example CSV files import with no rows skipped and balances match a hand calculation. Not tested in Firefox or Safari (neither could be launched in our test environment), in Edge, on a real phone, on a real printer, or with real bank or accounting exports; layout checked at 375 px and 1280 px.