Customer Credit Risk & Khata Exposure Calculator
Evaluate your outstanding trade receivables, uncollected customer khata balances, and overdue days to measure working capital drag and bad debt exposure.
Designed for Pakistani wholesale distributors, traders, and commercial suppliers with outstanding market receivables exceeding PKR 3,000,000.
In Pakistani wholesale distribution and commercial trade, over 60% of sales occur on informal credit ('udhaar'). Without automated credit limit enforcement, uncollected dealer balances accumulate into massive delayed recoveries, strangling the business's ability to buy fast-moving stock or meet supplier payment terms.
Enter Your Credit & Receivables Parameters
Adjust customer count, average khata balance, and collection days. Calculations update in real time.
Number of buyers, shops, or dealers currently carrying an outstanding credit balance.
The average rupee balance currently due per credit customer in your khata.
Total gross rupee value of goods sold on credit per month over the last 6 months.
Average days taken by customers to settle their invoices or clear parchi balances.
Percentage of your overall monthly turnover that is dispatched on credit versus immediate cash.
Your Trade Credit Risk & Khata Assessment
Based on your parameters, here is your total market exposure, delayed recovery volume, and working capital drag.
Moderate Credit Drag Requiring Stricter Collection Cycles
Roughly PKR 15,000,000 is delayed across 120 customer accounts. At 45 days collection cycle, working capital is visibly constrained.
Total rupee amount currently owed to your business across all customer ledgers.
Cash trapped beyond standard 30-day market terms with elevated non-payment risk.
Equivalent months of credit turnover locked up in delayed collections.
Average days from invoice dispatch until cash reaches your bank or safe.
⚠️ This assessment provides a commercial estimate based on your inputs. Actual recovery timelines depend on individual dealer creditworthiness, market conditions, and dispute resolution.
Calculation Transparency & Mathematical Proof
No black boxes. Here is the verified formula breakdown explaining every rupee of your credit risk assessment.
Total outstanding receivables currently owed to your business across all active credit accounts.
Portion of credit capital delayed beyond standard trade cycles, creating cash flow drag and bad debt exposure.
Equivalent months of credit sales locked in the market, illustrating the direct strain on vendor liquidity.
Calibrated 0-100 index: 0-30 is Healthy, 31-60 requires Attention, and 61-100 indicates High Risk.
Share Your Credit Risk Assessment
Send this khata exposure report to your business partners, finance manager, or collection staff.
Want to Tighten Dealer Credit & Accelerate Recoveries?
Connect with our senior ERP advisory team for a 30-minute review of your dealer aging, PDC clearance workflow, and credit limit configuration in XpertPOS.
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Frequently Asked Questions About Trade Credit & Khata Risk
Common questions Pakistani wholesalers and distributors ask about dealer recovery, PDC checks, and receivable aging.