Outstanding A/R balance as percent of credit limit. High utilisation predicts credit-hold orders.
At a glance
Per-customer outstanding AR as percent of credit limit. High utilisation predicts upcoming credit-hold orders. Predictive risk view.
| What it counts | outstanding_ar / credit_limit per customer in Oracle Credit Management. |
| Currency | Reporting ledger. |
| Time window | Real-time. |
| Alert trigger | >85% utilisation |
| Sentiment key | credit_util |
| Roles | owner, finance |
Calculation
Calculated automatically from your Oracle ERP Cloud data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.Worked example
A US Fortune 500 distributor. Snapshot 14 Apr 26.| Customer | Credit limit | Outstanding | Utilisation |
|---|---|---|---|
| ACME Industries | $5,000,000 | $4,820,000 | 96.4% |
| Beta Wholesale | $3,000,000 | $2,880,000 | 96.0% |
| Gamma Retail | $4,000,000 | $3,520,000 | 88.0% |
| Delta Manufacturing | $2,000,000 | $1,820,000 | 91.0% |
- 4 customers over 85% threshold. Each is one large order away from credit hold.
- Action options: expand credit limit (if customer is healthy) or push collections to free up.
- Revenue at risk: if these customers cannot order, expected forward revenue declines.
- Pair with DSO trend for predictive horizon.
- Track velocity: rising utilisation week-over-week is the leading signal.
Sibling cards merchants should reference together
| Card | Why pair |
|---|---|
| Orders on Credit Hold | Outcome. |
| Credit Hold Spike | Alert. |
| DSO | Late paying drives utilisation. |
Reconciling against the vendor’s own dashboard
Where to look in Oracle ERP Cloud:Credit Management → Manage Credit Reviews OTBI → Credit Management Real TimeCross-connector reconciliation: Internal Oracle Credit Management metric.