Give customers credit without losing track of who owes what.
Per-customer limits, ageing buckets, and repayments — all wired into accounting.
Every wholesaler and most retailers extend credit to their best customers. NinoPOS Loans & Credit puts that on rails: set limits, see who is overdue, take repayments that auto-reconcile to your bank ledger, and write off bad debt cleanly. Currently in PREVIEW — core flows are live; advanced rules engine is in progress.
Today, without Loans & Credit
- Customer credit lives in a notebook or a spreadsheet
- You don't know who is overdue until you re-read the whole list
- Repayments are received but not posted to accounting until month-end
- No clean way to write off uncollectable debt
- B2B customers want to see their statement online — and you can't send one
With NinoPOS Loans & Credit
- Per-customer credit limit enforced at POS and storefront checkout
- A/R ageing report (0-30, 31-60, 61-90, 90+) one click away
- Repayments post to bank ledger immediately and reduce balance
- Write-offs are explicit, audited, and feed the P&L correctly
- Customers can view their statement on the buyer portal
Everything in Loans & Credit
No add-ons, no upsells — included on every plan.
Per-customer credit limits
Set a credit ceiling for each customer. POS and storefront block sales once the customer hits their limit (with override permission for managers).
- Limit per customer
- Soft warn / hard block options
- Manager override with audit
- Limit changes logged
A/R ageing buckets
See receivables broken into 0-30, 31-60, 61-90, 90+ day buckets at a glance. Drill into any bucket to see which customers and which invoices.
- Standard 4-bucket ageing
- Drill-down per customer
- Per-store filtering
- CSV / PDF export
Repayment posting
Take a repayment in cash or M-Pesa, NinoPOS posts it to the bank ledger and reduces the customer's balance — atomic, no double-entry, no drift.
- Cash, M-Pesa, bank transfer
- Atomic posting to bank ledger
- Auto reconcile to invoice
- Receipt printed/emailed
Repayment schedules (loans)
For longer loans, set a payment schedule (monthly, weekly, custom). NinoPOS tracks dues, sends reminders, and flags missed payments.
- Custom schedules
- Reminder cadence
- Missed-payment alerts
- Interest support (flat / reducing)
Customer statement on portal
B2B customers log in to see their statement, paid and unpaid invoices, and download a PDF — without you having to send anything.
- Self-serve statement
- PDF download
- Paid/unpaid filters
- WhatsApp share link
Write-offs with audit
When debt is uncollectable, write it off with a reason. Posts to a bad-debt expense account, hits the P&L, and is fully traceable.
- Reason capture mandatory
- Bad-debt expense account
- Manager-only permission
- Audit log entry
How Loans & Credit works in practice
Step by step — from the customer touch to the final ledger entry.
1. Set credit limits
For each customer, set a credit ceiling. New customers default to zero credit.
2. Sell on credit
POS captures the sale. Customer balance increases. Stays under limit or asks for override.
3. Watch ageing
A/R ageing report flags customers as their balances move into 30+, 60+, 90+ buckets.
4. Take a repayment
Cashier takes payment, picks the customer, applies to oldest invoice first (or specific invoice).
5. Auto-reconcile
Repayment posts to bank ledger. Invoice marked paid or part-paid. Customer balance drops.
6. Write off if needed
For uncollectable debt, manager approves a write-off with reason. Hits bad-debt expense, off the books cleanly.
Local payments, currencies, and connectivity — sorted out of the box
Loans & Credit ships with M-Pesa Daraja, multi-currency, full offline mode, and WhatsApp customer messaging baked in — no plugin, no add-on.
- M-Pesa Daraja STK push for instant payments
- TZS, KES, UGX, RWF, USD — multi-currency invoicing
- Offline mode for areas with unstable internet
- WhatsApp for receipts, reminders, and orders
- Local tax (VAT) reporting baked in
Frequently asked questions
Specific to Loans & Credit.
What does PREVIEW mean here?
Credit limits, repayments, ageing, and write-offs all work end-to-end. Repayment schedules and the rules engine for automated reminders are still rolling out — that's why it's in PREVIEW.
Does this support interest-bearing loans?
Yes — flat and reducing-balance interest. For more complex products (microfinance-grade), talk to us about the roadmap.
How does it integrate with accounting?
Tightly. Credit sales hit Accounts Receivable. Repayments hit the bank ledger and reduce A/R. Write-offs hit a bad-debt expense account. Everything double-entry.
Can I block a customer entirely?
Set their credit limit to zero. Any credit sale will be blocked at POS and storefront.
Can customers see their balance?
Yes — on the buyer portal, B2B customers see live balance, statement, paid invoices, and unpaid invoices.
What happens to a customer's credit if I delete them?
You can't delete a customer with an outstanding balance. Settle or write off first, then archive.
Pairs well with
Modules that work hand-in-hand with Loans & Credit.
Ready to put Loans & Credit to work?
Free to start, no credit card required. Live within an hour.