BizGST Pro
The four-second decision
A regular asks for goods on credit. The alternative is an awkward conversation with someone you have known for years, so the answer arrives before the question finishes.
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What the feeling is made of
That is usually the whole basis. Not the twenty before them, not what is outstanding right now, not the largest bill you ever let run up.
The data was never missing
How they act when they owe you money is written across your own ledger already. The problem was never that you lacked information. It was that nobody added it up.
Four figures worth having
And one more: the largest single invoice you have ever let them run up. That is your real exposure, whatever you intended.
In BizGST Pro
Built from their own settled invoices. Time to pay is weighted by invoice value, so a slow payment on a large bill counts for more. The result is a score and a band — safe, watch, or risky.
What it is not
No credit bureau, no external check, no machine learning, and no idea how that customer treats other suppliers. A customer who has never bought from you on credit starts neutral, because the honest answer is that you do not know yet.
Read the suggested limit properly
The suggested ceiling comes from the largest invoice you have ever raised for them, scaled by their band. That makes it a sensible cap on your own risk. It is not a statement about what that business can afford, and should not be read as one.
BizGST Pro
GST invoicing, customer ledgers, stock and reports — built for Indian businesses.
bizgstpro.com