OptiRisque
Customer risk is managed before the order, not after the delivery.
The moment risk is decided
A bad debt is not decided when it becomes a bad debt. It is decided when someone accepts an order from a customer who is already over-exposed.
In most Sage installations, that moment passes unchecked: the salesperson keys the order, the order goes through, the warehouse ships. The risk is discovered later, in an aged balance report.
OptiRisque moves the control upstream.
The creditworthiness record
Each customer has a consolidated record: authorised limit, actual exposure, upcoming due dates, recorded delays, payment history, and any incidents.
It is the view your credit controller needs before deciding, without consulting three different Sage screens.
The block is applied inside Sage
This is the important difference. A block that existed only inside OptiFlowPro could be bypassed by keying the order directly into Sage.
OptiRisque applies the block inside your Sage database itself. A blocked customer is blocked for everyone, whichever tool is used to key the order.
Payments and bank remittances
The module covers the full downstream chain:
- Recording and allocation of customer payments
- Preparation of bank remittance slips
- Tracking of bills of exchange and due dates
- Dunning by delay tier
Remittance slips are generated from the application, in the format your bank expects.
The alerts
Exceeding a credit limit triggers an alert at the moment it happens, not at month-end close. You choose who receives it: the salesperson concerned, the credit controller, management, or several at once.
What you need to use it
OptiRisque bundles five modules — customers and creditworthiness, payments, remittance slips, alerts, settings. The set is included in the Premium plan and available as an option on the Essential and Business plans.