Corporate & Credit Sales

B2B accounts, receivables, credit exposure, and unpaid balances.

Corporate today

₦1.7M

Credit sales MTD

₦5.0M

Receivables

₦2.4M

Overdue

₦600.0k

BluePeak Offices

Healthy

Limit

₦4.0M

Used

₦3.2M

MTD sales

₦1.2M

Credit usage80%

Abuja Wellness Clinic

Overdue 12d

Limit

₦2.5M

Used

₦2.1M

MTD sales

₦860.0k

Credit usage84%

Overdue balance: ₦420.0k

Cedar Schools

Healthy

Limit

₦6.0M

Used

₦3.8M

MTD sales

₦1.6M

Credit usage63%

Kado Events Services

Overdue 5d

Limit

₦1.5M

Used

₦1.5M

MTD sales

₦540.0k

Credit usage97%

Overdue balance: ₦180.0k

Wuse Pharmacy Partners

Healthy

Limit

₦3.0M

Used

₦1.8M

MTD sales

₦720.0k

Credit usage60%

Unpaid invoice queue

Invoice	Customer	Amount	Due	Status
INV-40218	BluePeak Offices	₦620.0k	2026-07-12	Open
INV-40217	Abuja Wellness Clinic	₦420.0k	2026-06-22	Overdue
INV-40216	Cedar Schools	₦840.0k	2026-07-18	Open
INV-40215	Kado Events Services	₦180.0k	2026-06-30	Overdue
INV-40214	Wuse Pharmacy Partners	₦320.0k	2026-07-20	Open

Payment due timeline

This week

₦1.14M

Next week

₦1.24M

Overdue

₦600k

Branch credit sales

Wuse 2₦2.4M · 2 accounts
Gwarinpa₦1.8M · 2 accounts
Apo Pharmacy₦800k · 1 account

Outstanding

₦86.4M+3.2%

Overdue

₦18.2M

Credit utilisation

68%

Avg days to pay

38 days+4

Recovery rate

92%+2pp

Default risk

6.2%

Operational workspace — what is happening

Corporate account register

Top exposure

Account	Industry	Limit	Outstanding	Overdue	Days	Health
Sahara Hotels	Hospitality	₦30M	₦24.2M	₦6.4M	62	At risk
Zenith Clinics	Healthcare	₦25M	₦16.8M	₦2.1M	41	Watch
Abuja Schools Ltd	Education	₦20M	₦14.4M	₦0	22	Healthy
Prime Logistics	Transport	₦15M	₦12.6M	₦4.8M	74	At risk
Federal Contractors	Construction	₦18M	₦11.2M	₦3.4M	58	Watch
Green Foods Ltd	FMCG	₦12M	₦7.2M	₦1.5M	35	Healthy

Collection timeline

Live feed

Payment receivedToday
Abuja Schools · ₦4.2M
Demand letter issuedToday
Prime Logistics · 74 days overdue
Payment plan agreedYesterday
Sahara Hotels · 3 instalments
Limit reviewThis week
Zenith Clinics · increase requested
New account onboardedThis week
Green Foods · ₦12M limit

Collections queue

6 in queue

Prime Logistics escalation

₦4.8M · 74 days

Open

Sahara Hotels plan monitoring

₦6.4M · instalments

Open

Federal Contractors follow-up

₦3.4M · 58 days

Open

Zenith limit review

Increase request

Open

Quarterly credit committee

All accounts

Open

Statement dispatch

18 accounts

Open

Analytics workspace — why is it happening

Receivables vs overdue

7 periods

MonTueWedThuFriSatSun

Exposure by industry

Hospitality28%

Healthcare19%

Education17%

Transport15%

Construction13%

FMCG8%

Credit aging (₦m)

Current1–30d31–60d61–90d90d+

Corporate ranking by outstanding (₦m)

Ranked

Sahara Hotels

24.2

Zenith Clinics

16.8

Abuja Schools

14.4

Prime Logistics

12.6

Federal Contractors

11.2

Green Foods

7.2

Exposure heat map by industry / bucket

Heat map

	Current	1–30	31–60	61–90	90+
Hospitality	62	18	12	6	2
Healthcare	74	14	8	3	1
Education	92	6	2	0	0
Transport	48	22	16	10	4
Construction	58	20	14	6	2

Utilisation vs payment behaviour

Correlation

Recovery performance

Comparative

Stage	Accounts	Value	Recovery
Reminder	12	₦8.4M	96%
Follow-up call	7	₦5.2M	88%
Demand letter	3	₦3.4M	72%
Legal referral	1	₦1.2M	48%

Management workspace — exceptions & approvals

Exception centre

3 open

Prime Logistics 74 days overdueCredit Control

₦4.8M past terms with no payment received in 30 days.

Sahara Hotels exposure at 81% of limitFinance

Largest single account with ₦6.4M overdue on an instalment plan.

Days-to-pay driftingCredit Control

Average payment period extended by four days this quarter.

Pending approvals

Awaiting sign-off

Legal referral
Prime Logistics · ₦4.8M
Review
Zenith limit increase
₦25M to ₦30M
Review
Credit hold policy
60-day trigger
Review

Manager action queue

Assigned

Action	Owner	Due	Priority
Escalate Prime Logistics to legal	Credit Control	This week	High
Enforce credit hold above 60 days	Finance	This week	High
Review Sahara Hotels instalment compliance	Credit Control	Weekly	Medium
Reassess industry concentration limits	Credit Committee	This month	Medium

Escalations

Routed upward

Hospitality sector concentrationEscalated

28% of exposure in a single volatile sector.

Collections command board

· Owner and next action per account

Zenith Facilities Ltd · ₦8.4M overdue 62 daysOwner: Chinedu A.

Promise to pay recorded for 08 Aug · credit currently suspended

Abuja Clinic Group · ₦4.2M overdue 34 daysOwner: Ngozi E.

Partial settlement of ₦1.5M received · reminder scheduled 05 Aug

Sunrise Hotels · ₦2.8M overdue 21 daysOwner: Ngozi E.

Dispute opened on invoice INV-20418 · finance reviewing

Federal Secretariat Co-op · ₦1.1M currentOwner: Chinedu A.

Call scheduled 06 Aug to confirm August order volume

Lagos Logistics NG · ₦640kOwner: Finance

Account restored after full settlement · limit reinstated to ₦5M