Credit hold — when to flag, when to release

FLAG a customer when ANY of these is true:

• Two consecutive invoices > 30 days past due
• One invoice > 60 days past due
• Outstanding AR > 2× their 12-month average
• Returned payment / failed ACH in the last 90 days

Hold is set on the Customer record (Edit → Credit hold checkbox). Once flagged: new orders are blocked, existing orders pause shipment, the portal shows a 'contact AR' message instead of the order form.

RELEASE only after one of:

• Full balance paid + 30 quiet days
• Signed promissory note with collateral
• Written sign-off from accounting_manager OR admin

Every release writes to the audit log automatically; reference the audit row in the customer notes.