Self-service dealer ordering + credit-limit enforcement + automatic per-product, per-state tax — run standalone, or above your ERP via API-based integration. Not a DMS. Not a SFA.
Credit-limit enforcement
Enforce the credit limits you set.
At order time — before the order is ever placed.
Credit control software for dealer networks: an order that would breach a dealer’s limit is held before it’s placed — not chased in an aging report three weeks later.
Illustrative · fictional dealer, demo data
The problem
Credit breaches surface too late to stop.
The limit is set. But nothing checks it at the one moment that matters — when the dealer places the order. So a breach isn’t a decision you make; it’s a receivable you discover.
The limit lives off-system
It’s a number in a ledger, a spreadsheet or someone’s memory. When an order comes in over WhatsApp or phone, nothing compares the two.
The order ships first
Goods leave the warehouse before anyone reconciles exposure. The breach is now stock in a dealer’s yard, not a line you can hold back.
You find out in the aging report
By the time the 60-plus-day column lights up at month-end, the exposure has been sitting with the dealer for weeks.
Enforcement at order time
Credit control software that checks before the order is placed.
Concord compares the order against the dealer’s available limit at the moment it’s submitted. If it would breach, it’s held for your approval — it never becomes an unplanned receivable.
Schematic · the two paths an over-limit order can take. Illustrative, not a product screenshot.
Visibility
Utilisation, outstanding and aging — in one view.
Every dealer’s limit, live utilisation and receivables sit in one place — outstanding, aging and collections — so exposure is something you watch in real time rather than reconstruct at month-end.
| Dealer | 0–30 days | 31–60 days | 61–90 days | 90+ days |
|---|---|---|---|---|
| Meenakshi Traders | ₹3,10,000 | ₹2,40,000 | ₹2,00,000 | ₹1,40,000 |
| Shree Balaji Distributors | ₹3,20,000 | ₹1,00,000 | ₹40,000 | — |
| Ganesh Hardware & Cement | ₹2,10,000 | — | — | — |
What this is — and isn’t
Control you set. Not lending.
Credit control here means enforcing the credit terms you already extend to your dealers — not offering finance. Concord touches no money and lends nothing.
✓What credit-limit enforcement is
A credit-control layer that reads the credit limits, payment terms and approvals you configure, and applies them automatically at order time. You set the number; Concord holds the line — and reminders chase what’s outstanding.
✕What it is not
Not lending, not financing, not buy-now-pay-later, not a credit product of any kind. No capital changes hands. Concord never advances money to a dealer or to you.
Vs the old way
Held at order time vs chased at invoicing.
✕Chase at invoicing
The order ships, the invoice raises the exposure, and someone spots it later. Now it’s a recovery conversation — calls, reminders, held despatches, strained dealer relationships.
✓Enforce at order time
The breach is caught before anything ships. You approve, adjust or decline while it’s still a decision — not a receivable you’re trying to claw back.
Why self-service, with enforcement built in
Buyers want to order themselves — enforcement is what makes that safe.
67% of B2B buyers already purchase online, and 83% expect that share to grow.
McKinsey B2B PulseWhat it costs to process a single B2B order manually, versus digitally — the same self-service rails that carry the credit check.
Digital Commerce 360Getting live
Limits configured with you — not left to you.
Enforcement is only as good as the limits behind it. We set those up with you, so the control is right from the first order.
Straight answers
Credit control, answered.
Is this lending or financing?
No. Concord enforces the credit limits and terms you set for your dealers. It isn’t a loan, buy-now-pay-later or a financial product. No money changes hands through Concord — it applies your rules, nothing more.
How are credit limits set?
You configure them — per dealer, per account or per tier, alongside each dealer’s payment terms. During onboarding we map your existing terms into Concord; after that, limits are yours to change whenever your relationship with a dealer changes.
Can limits be revolving or time-bound?
Yes. A limit can be a standing revolving amount that frees up as a dealer pays down, or bound to a period. You decide the model; Concord enforces it consistently at order time.
Does Concord chase overdue payments, or only block new orders?
Both, and they’re separate jobs. Credit-limit enforcement holds an order that would breach the limit before it’s placed. Alongside that, automated payment reminders nudge dealers on outstanding and overdue balances, so collections run on their own rather than depending on someone remembering to call.
What happens to an order that would breach the limit?
It’s held for approval before it’s placed — not silently rejected. You can approve it, adjust it or decline it, and the dealer sees a clear status rather than an order that vanishes.
Do we need an ERP for this to work?
No. Credit-limit enforcement runs standalone. If you use an ERP, Concord can sit above it via API-based integration — what connects, such as outstanding balances, is mapped to your setup. Tally sync is a scoped build. An ERP is your choice, not a requirement.
See a credit hold fire on your own dealer data.
A short, human-worked demo — bring a limit and an order that should breach it, and watch Concord hold it before it’s placed.
Self-service dealer ordering + credit-limit enforcement + automatic per-product, per-state tax — run standalone, or above your ERP via API-based integration. Not a DMS. Not a SFA.