One partner, many brands
Distributor X may have ₹20L with Brand A, ₹10L with Brand B and cash-only terms with Brand C. Credit cannot be treated as one platform-wide number.
Credit Management · Built World
Credit is not a limit. It is a live business decision.
In the built world, a distributor or dealer may buy from multiple brands, each with its own credit policy, exposure, overdue position and approval hierarchy. The challenge is to give the channel the right flexibility at the moment of ordering without losing financial control.
Partner CreditBrand-wise ExposureBU-wise CreditDynamic ApprovalTemporary OverridesAudit Trail
One partner. Multiple commercial relationships. Multiple credit positions.
Credit must follow the actual relationship between partner, brand, BU, order and payment terms.
PartnerDistributor · dealer · customer
Brand / Business UnitSeparate credit relationship
Outstanding / OverdueCurrent exposure and ageing
New OrderValue · products · terms
KaariWorksExposure → Available Credit → Risk → Exceptions → Approval → Decision → Audit
ApproveWithin available credit
Conditional ApprovalAdditional security / payment
EscalateException approval workflow
Hold / RejectRisk outside policy
Why Built-World Credit Is Different
Credit follows the relationship, not just the customer.
A traditional credit limit attached to a customer account is often too simplistic for a multibrand, multi-BU, channel-led business.
BU-wise exposure
Different business units can have different commercial relationships, limits, payment terms and approval authorities with the same partner.
Credit changes at order time
A partner may be healthy generally but temporarily exceed a limit because of one large project order, seasonal demand or delayed collection.
Overdue is not always a hard stop
An overdue invoice can require context: promised payment, dispute, pending credit note, transit issue, approved exception or strategic project.
Business needs controlled flexibility
Sales should be able to request an exception without bypassing finance. The system should route the exception to the right authority.
Every override needs accountability
Who approved additional exposure, why, for which order, for how long and under what condition must remain auditable.
Credit Decision Workflow
Check automatically. Flex when justified. Control every exception.
KaariWorks turns credit from a static master-data field into an operating workflow embedded in the order journey.
01
Identify the credit relationship
Determine partner, legal entity, brand, BU, channel, account and applicable credit agreement. Whose credit?
02
Calculate current exposure
Combine outstanding invoices, overdue amounts, open orders, reservations and other committed exposure. What is already exposed?
03
Evaluate available credit
Compare proposed order value and payment terms against the applicable limit and available balance. Can it fit?
04
Understand exceptions
Consider disputes, promised payments, project importance, customer history, collateral, collection status and commercial conditions. Why is there a gap?
05
Auto-approve or route
Approve within policy or trigger an approval workflow based on amount, risk, overdue and requested exception. Right authority
06
Grant controlled override
Allow temporary additional exposure, partial release, conditional release or special payment terms with explicit validity. Business flexibility
07
Release the order
Pass the approved credit decision to OMS / ERP so the order can continue without manual finance intervention. No unnecessary delay
08
Record everything
Store decision, exposure, approver, reason, conditions, expiry, supporting documents and subsequent payment outcome. Full traceability
The Multi-Brand Credit Model
Credit should be available at the level where the risk actually exists.
A single platform may connect many brands, but credit relationships can remain independent.
Credit can be measured at multiple levels
The model can support different credit relationships without forcing everything into one account-level number. PartnerOverall relationship · BrandBrand-specific exposure · Business UnitBU-specific policy · OrderTransaction exposure · ProjectProject-specific exception
Credit can be more than a limit
The effective decision can incorporate the commercial terms around the transaction. Payment termsAdvance · 30 · 60 · 90 days · SecurityCollateral / guarantee where applicable · Collection promiseApproved future payment · Conditional releasePart payment before balance · Temporary limitValid for a defined period
The Multi-Brand Credit Model
Credit should be available at the level where the risk actually exists.
A single platform may connect many brands, but credit relationships can remain independent.
The same distributor can therefore place orders across multiple brands while each brand retains its own credit exposure, payment terms, limits and approval policy.
Brand A · ₹20L limit+ Brand B · ₹10L limit+ Brand C · Cash Only →Partner Credit Matrix
Flexible Approval & Audit
Finance control without killing sales momentum.
The important capability is not merely blocking an order. It is allowing the business to make an informed exception while preserving financial governance.
Dynamic approval hierarchy
Approval can depend on the size and nature of the exception rather than sending every case to the same person.
Every exception leaves a trail
A flexible credit system should make exceptions visible rather than hiding them in emails, calls or spreadsheets.
Credit + Order Orchestration
Credit becomes part of the order, not a separate finance activity.
The credit decision should happen at the exact point where the commercial commitment is created.
Order enters
From sales, dealer, distributor, web, app, WhatsApp or API.
Credit evaluated
Partner + brand + BU + existing exposure + proposed order are evaluated together.
Exception routed
If blocked, the system determines the appropriate approval path instead of simply rejecting.
Decision returned
Approve, partially approve, conditionally approve, hold or reject.
Order released
Approved credit status flows into OMS / ERP and fulfilment can continue.
Exposure updated
The new commitment becomes part of the live credit position for future orders.
AI Credit Intelligence
Don't just block credit. Explain the risk.
AI can give finance and sales a common view of exposure, context and possible actions.
Ask the credit system.
Instead of manually checking ERP balances, ageing reports, orders and approval emails, teams can ask questions across the connected credit context.
Insight
“Why is this partner blocked?”
Insight
“How much credit is available with Brand A?”
Insight
“What is the exposure if we release this order?”
Insight
“Which partners have repeated overrides?”
Insight
“Which overdue accounts have genuine disputes?”
Insight
“Which exceptions should finance review today?”
Exposure intelligence
Understand current and future exposure across open orders, invoices and commitments.
Exception patterns
Identify partners, teams or BUs repeatedly requiring credit overrides.
Risk-aware recommendations
Suggest partial release, advance payment or approval routing based on context.
Management visibility
Show where credit flexibility is driving sales and where it is increasing financial risk.
The KaariWorks Difference
From to “Make the right credit decision.” “Credit blocked”
KaariWorks recognises that partner credit in the built world is a commercial relationship, not just a master-data field. It connects partner, brand, BU, order, exposure, payment, exceptions and approval — giving the business flexibility when justified while maintaining complete financial control and auditability.