Agri-input credit has a shape no generic credit module understands: extended hard before the season, collected after the harvest, with the unsold remainder coming home as returns. Managed loosely, the season's profit quietly becomes the off-season's provision. xMatix manages it tightly: limits at order time, collections on the beat, liquidation tracked by batch.
Season credit with gates, not vibes
Dealer limits and terms are enforced when the order is placed — an over-limit or overdue dealer gates with an explicit approval path (the RM decides, on the record). Exposure per dealer, per territory, is a live view all season; the seven dealers drifting toward trouble are a list in July, not a shock in November.
Collections where the relationship is
Field officers collect on the beat — against specific invoices, offline, with the dealer's ageing on screen. Promises made are recorded and resurface on the next visit. Ageing ties to the ledger; the credit conversation and the books are one truth.
Liquidation, batch by batch
Dealer stock is batch-identified, so liquidation percentage is a fact per dealer and per batch — and the batch that won't sell through before its shelf life surfaces early enough for transfers or support schemes. Returns come home against the batches that went out; the returns rate teaches next season's load plan.
The next season reads this one
Booking eligibility, credit limits and scheme access for next season can follow this season's behaviour — payment discipline, liquidation, returns — computed from the record, so the credit decision is underwriting, not sentiment.
Common questions
How is season credit controlled?
Limits and terms gate at order capture — field and portal alike — with approval paths for exceptions, and live exposure per dealer and territory throughout the season.
How do field collections work?
Captured on the beat against specific invoices, offline if needed, with ageing and promises on the officer's screen — posting to the ledger on sync so finance and the field agree.
What does batch-level liquidation tracking give us?
Sell-through per dealer per batch — so support goes to stock that genuinely needs it, returns reconcile against what actually went out, and shelf-life risk surfaces while transfers still work.
Can this season's behaviour inform next season's credit?
Yes — payment discipline, liquidation and returns live on the dealer's record, giving next season's booking and credit decisions an evidentiary basis.