Credit limit check (SAP Business One)

When creating or changing sales documents such as quotations or orders, SAP Business One checks whether a customer's defined credit limit has been exceeded. The check helps to recognise financial risks at an early stage and avoid payment defaults.

The credit limit check is typically used for sales documents and is particularly relevant when managing customers with limited creditworthiness or risky payment behaviour. It can be configured via the general settings in the system (path: administration > System initialisation > General settings > GP tab).

In contrast to the Commitment limitwhich also takes open cheques into account, the credit limit check relates exclusively to the open balance in relation to the credit limit. It should also not be confused with a Approval process - However, the two can be combined.

Credit segments

SAP Business One offers in the standard version No native function for defining or controlling credit segmentsas they are known from the extended SAP Credit Management (FIN-FSCM) in SAP S/4HANA. The targeted differentiation of credit limits by industry, region or business area is therefore possible without additional solutions. not realisable.

What is possible:

- Customer groups as an approach: In SAP Business One, customers can be assigned to a Customer group for example by industry. However, this grouping is primarily suitable for statistical analyses and has no influence on the credit limit check. Each customer can only belong to one group, which prevents flexible multiple classifications.

- Account segments in the financial area: SAP Business One allows the definition of Account segments for structuring the chart of accounts. However, these relate exclusively to financial accounting - there is a link to credit limit management not.

- Customised extensions: Industry-specific credit assessments can be realised via add-ons, user-defined fields and reports. The underlying check nevertheless remains Business partner level limited. Automated differentiation by segment is only possible with considerable customisation effort.