Credit control software that stops the work before the debt grows

Remaining credit is the credit limit, minus unpaid invoices, plus outstanding credit notes, minus the value of jobs and sales orders not yet invoiced. Tax is included. If a customer has a £1,000 limit and you create a £1,000 job, their remaining credit is £0. Invoice half of it and nothing changes, because £500 is now on an unpaid invoice and £500 is still uninvoiced on the job. When that invoice is paid, the remaining credit is £500. The Credit Breakdown tab on the customer shows every invoice, credit note and order in the calculation.

Zigaflow shows NO CREDIT with the amount over on the customer record, the customers list, and the quotes, jobs and delivery notes screens. In Internal Approvals you choose what that means: Approval Required, where their quotes cannot be sent until an Admin approves them, or Warning Only. You can also suppress job creation from quotations while the customer is over their limit, so the order gets a review before any work is committed.

While a customer is on stop, their jobs and orders cannot be moved to any status other than Cancelled, and purchase orders cannot be created from their orders. Quotes are blocked by default too. It is a checkbox on the customer record, so taking them off stop is one click when the account is settled.

Yes, if you choose. In Financial Settings, On Stop, the option to allow users to continue with quotations when a customer is on stop shows a warning instead of blocking the quote. Jobs stay blocked either way.

Once Overdue Invoices Control is enabled, Zigaflow checks every working day for invoices in your chosen awaiting-payment statuses that are past their payment date, plus any grace days. Credit notes and pro formas are never checked. Invoices that became overdue before the date you enable it from are logged, but no action is taken on them, so switching it on does not stop half your customers at once. Each invoice keeps a Credit Control history of every check, the rule that applied and what it did.

Yes. Rules are checked from the top down and the first rule whose conditions all pass decides what happens. Each rule can include or exclude customer and invoice tags, set a minimum and maximum invoice value and a minimum number of working days overdue. So you might mention your accounts team as soon as an invoice is late, put the customer on stop after ten working days, and keep a rule with no actions for invoices tagged Disputed. Each mention is sent once per invoice.

Only if you want them to. If you have jobs or sales orders from before you invoiced through Zigaflow, set a cut-off date in Financial Settings, Credit Limit Settings. Jobs whose end date falls before it are left out of the calculation.

Yes. Credit control acts inside your business; payment reminders go to the customer. On your invoice pre-builds you can set automated messages that send from your own email address, with your branding, a set number of business days after the payment date, and repeat until the invoice is marked paid. See [Invoices](/features/invoices) for the rest of the billing flow.