> ## 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, Oracle ERP Cloud

> 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

> 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%       |

Five things to notice:

1. **4 customers over 85% threshold.** Each is one large order away from credit hold.
2. **Action options:** expand credit limit (if customer is healthy) or push collections to free up.
3. **Revenue at risk:** if these customers cannot order, expected forward revenue declines.
4. **Pair with [DSO](/nerve-centre/kpi-cards/oracle-erp/days-sales-outstanding) trend** for predictive horizon.
5. **Track velocity:** rising utilisation week-over-week is the leading signal.

## Sibling cards merchants should reference together

| Card                                                                              | Why pair                        |
| --------------------------------------------------------------------------------- | ------------------------------- |
| [Orders on Credit Hold](/nerve-centre/kpi-cards/oracle-erp/orders-on-credit-hold) | Outcome.                        |
| [Credit Hold Spike](/nerve-centre/kpi-cards/oracle-erp/credit-hold-spike)         | Alert.                          |
| [DSO](/nerve-centre/kpi-cards/oracle-erp/days-sales-outstanding)                  | 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 Time**

**Cross-connector reconciliation:**

Internal Oracle Credit Management metric.

## Known limitations / merchant FAQs

**No credit limit configured?**
Customer excluded from this card.

**Multi-Ledger?**
Some customers have credit limits per ledger; consolidated view available.

***

### Tracked live in Vortex IQ Nerve Centre

*Customer Credit Utilisation* is one of hundreds of KPI pulses Vortex IQ tracks across Oracle ERP Cloud 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.