Outstanding A/R balance as percent of credit limit. High utilisation predicts credit-hold orders.
At a glance
| What it counts | (Open Customer Ledger Entries balance + Open SO value) / Customer.Credit Limit per Customer. Highlights customers approaching their limit. |
| Tax treatment | Gross. |
| Currency | Customer’s Currency Code. |
| Time window | RT |
| Alert trigger | >85% utilisation |
| Sentiment key | credit_util |
| Roles | owner, finance |
Calculation
Calculated automatically from your Microsoft Dynamics 365 data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.Worked example
US distributor, snapshot:| Customer | Limit | Used (AR + SOs) | Utilisation |
|---|---|---|---|
| Acme Tech | $2,000K | $2,180K | 109% (already exceeded) |
| NorthEast | $500K | $480K | 96% |
| TechHub | $300K | $240K | 80% |
Sibling cards merchants should reference together
| Card | Why pair |
|---|---|
| Orders on Credit Hold | Already-blocked subset. |
| Credit Hold Spike Alert | Trend alert. |
| DSO | Higher DSO drives utilisation up. |
Reconciling against the vendor’s own dashboard
Where to look in Business Central:Customer Card > Statistics > Credit Limit + BalanceWhy may differ:
| Reason | Direction | Why |
|---|---|---|
| Open SO inclusion | Card includes | Some BC views show only AR balance |