Solutions Credit & Exposure Control

Gate placement and billing on what a client can still be trusted to pay.

Smartta puts client credit limits and exposure in front of the placement and billing decision — the same pass, flag, or gate pattern as the wage gate, so you stop staffing into a bad debt before it grows.

Contact Sales See the control chain

The governed decision chain: client → limit → exposure → placement → billing.

Exposure check

Client: Meridian FM

Over limit

✓

Credit limit loaded

Approved limit and terms on file

Pass

Exposure approaching limit

Open invoices near the ceiling

Flag

Over credit limit

New placement would breach the limit

Gate

↳

Hold recorded

Reason, approver, and limit exception logged

Ready

Placement & billing

Held until exposure is within limit or a credit exception is authorised.

Held

A limit checked at placement is a conversation. Checked after the invoices stack up, it is a bad debt.

The problem

You keep staffing a client long after the exposure says stop.

Credit limits live in finance. Placement decisions live in operations. By the time the two meet, the shifts have already been worked and the exposure is already on the books.

Limits are not in the placement decision.

Operations confirms the shift without seeing that the client is already over its limit.

Exposure grows shift by shift.

Every worked-but-unpaid shift adds to the balance — the risk compounds while nobody is gating it.

Holds are decided too late.

A credit hold applied at invoicing is applied after the labour cost is already sunk.

The governed chain

Every placement and bill checked against the limit before it is committed.

Smartta puts client credit and exposure through the same pass, flag, or gate boundary as the wage gate — before the placement is confirmed and before the invoice is raised.

✓

Limit and terms loaded

Approved credit limit and payment terms checked against the client on file.

Exposure monitored

Open and worked-but-unbilled value is tracked against the limit as it grows.

↳

Hold with authority

A credit exception is captured by name, with a mandatory justification — segregation of duties enforced.

Over-limit gated

A placement or bill that would breach the limit is blocked until cleared.

Most clients stay within limit silently. Your team only sees the ones approaching it.

The plan

Three steps to safer workforce decisions.

Map the risk

Identify where decisions move between roster, time, HR, payroll, credentialing, and care systems.

Here: where the client credit limit, open exposure, and the placement and billing decision meet.

Control the decision

Configure checks that pass, flag, or gate high-risk workforce decisions before they move downstream.

Here: placement and billing gated on live exposure — before the shift is worked, not after.

Prove the outcome

Keep decision evidence ready for payroll review, compliance checks, incident response, and operational governance.

Here: limit, exposure, reason, approver, and outcome — ready for finance and the board.

Evidence

When someone asks why we kept staffing a bad payer, the answer is already there.

Finance and operations should not discover a client's exposure after the labour cost is already sunk.

Question Source Result Proof

Is the client within limit? Credit + AR Flag Exposure near the ceiling

What is the open exposure? Exposure ledger Pass Open and unbilled tracked

Can we place or bill? Exposure gate Gate Held until cleared

Who authorised the hold? Evidence ledger Ready Approver, timestamp, reason

Before the shift, not after the debt

Exposure stays controlled when the limit gates the placement, not the invoice.

For operations

The credit position is visible at placement — a hold is a conversation, not a surprise after the shifts are worked.

For finance

Exposure is gated as it grows — fewer write-offs and less bad debt on the books.

For leadership

Proof that every placement and bill was checked against the client's limit — with the reason for every exception.

Limits and exposure

See where your exposure runs ahead of your controls.

A short review of how client credit limits and exposure reach your placement and billing decisions — and where gating them earlier would stop bad debt before it grows.