Net-30 / Net-90 commercial credit at workshop-tier scale. Faeqa validates the PO, checks `commercial_profile.available_credit_bdt`, embeds 2/10 NET 30 (2% off if paid in 10 days), generates the invoice, and posts the AR liability — all in one round trip. Hard-stops on AR > 60 days outstanding so the credit book never goes underwater.
VIP ৳1,500,000 · Standard B2B ৳500,000 · auto-lock at 60-day overdue.
Cross-checks the workshop's PO number format, vendor codes, and tax IDs against the master directory.
Invoice includes the early-pay discount line item out of the box.
Every B2B order — at any hour — gets the same disciplined credit check that a senior credit officer would apply. Faeqa is the reason JOY can grow the B2B book without growing the finance team.
Any ceiling increase routes back to AAJ + the founder for sign-off.