> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Customer Credit Utilisation, Microsoft Dynamics 365

> Outstanding A/R balance as percent of credit limit. High utilisation predicts credit-hold orders. How to read it, why it matters, and how to act on it.

**Metrics type:** [Supporting Metrics](/nerve-centre/overview#metrics-types-explained)  •  **Category:** [Ecommerce Platform](/nerve-centre/connectors#connectors-by-type)

> 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%                     |

Acme already on Credit Hold. NorthEast next.

## Sibling cards merchants should reference together

| Card                                                                                      | Why pair                          |
| ----------------------------------------------------------------------------------------- | --------------------------------- |
| [Orders on Credit Hold](/nerve-centre/kpi-cards/microsoft-dynamics/orders-on-credit-hold) | Already-blocked subset.           |
| [Credit Hold Spike Alert](/nerve-centre/kpi-cards/microsoft-dynamics/credit-hold-spike)   | Trend alert.                      |
| [DSO](/nerve-centre/kpi-cards/microsoft-dynamics/days-sales-outstanding)                  | Higher DSO drives utilisation up. |

## Reconciling against the vendor's own dashboard

**Where to look in Business Central:**

> **Customer Card > Statistics > Credit Limit + Balance**

**Why may differ:**

| Reason                | Direction     | Why                                |
| --------------------- | ------------- | ---------------------------------- |
| **Open SO inclusion** | Card includes | Some BC views show only AR balance |

**Cross-connector reconciliation:**

No commerce-side counterpart.

## Known limitations / merchant FAQs

**Customers without Credit Limit?**
Excluded (cannot compute %).

**100% threshold for alert?**
80% by default; tunable. The risk zone before automatic Credit Hold.

**Sub-Buyers contributing to parent limit?**
Configurable via field map.

***

### Tracked live in Vortex IQ Nerve Centre

*Customer Credit Utilisation* is one of hundreds of KPI pulses Vortex IQ tracks across Microsoft Dynamics 365 and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English.

[Start for free](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.