How Epicforce Tech Uses Epicor® BPMs to Enforce Better Credit Control & Customer Risk Management

Maintaining control over customer credit limits and managing financial risk are essential for business stability—especially in today’s fast-moving economy. One delayed payment or oversold credit limit can cause cascading issues in cash flow, supply chain, and decision-making. That’s why businesses using Epicor® ERP rely heavily on Business Process Management (BPM) tools to enforce credit control policies in real time.

At Epicforce Tech, we go beyond default ERP configurations. Our consultants leverage Epicor® BPMs to create customized workflows that help companies minimize financial exposure, automate credit checks, and improve overall customer risk management.

In this article, we’ll walk you through:

• The challenges with traditional credit control

• How BPMs can automate and enforce credit rules

• The specific ways Epicforce Tech enhances this using Epicor®

• Real-world outcomes businesses can expect

The Challenge: Credit Control Without Enforcement

Many businesses set credit limits and payment terms for customers, but fail to enforce them at the transaction level. This leads to:

• Sales processed beyond credit limits

• Invoicing delays due to unpaid previous balances

• Lack of alerts when customers exceed risk thresholds

• Manual intervention from finance teams for every transaction

The core issue? The system doesn’t stop users from bypassing the rules. Without proper logic enforcement in place, businesses operate on policy—but not practice.What Are Epicor® BPMs?

Epicor® BPMs (Business Process Management directives) are customizable rule engines built into the Epicor® ERP system. They allow you to control how data behaves at each point of the workflow by executing logic on key triggers (like record save, field update, or method call).

This means you can:

• Automatically validate or block orders that exceed credit limits

• Alert account managers about overdue payments

• Freeze customer accounts based on risk level

• Customize escalation paths for finance approval

But these capabilities only work effectively if BPMs are properly designed, tested, and maintained.

How Epicforce Tech Uses Epicor® BPMs for Credit & Risk Control

At Epicforce Tech, we specialize in building precision BPMs that automate financial governance without adding friction to your sales and operations teams.

Here’s how we do it:

1. Custom Credit Validation at Order Entry

We implement BPMs that validate credit exposure when a sales order is created. Our logic pulls data from customer credit limits, current balance, and outstanding invoices to check if the new order should be allowed.

If limits are exceeded, the system can:

• Block the order

• Trigger an approval workflow

• Alert sales and finance simultaneously

2. Dynamic Customer Risk Scoring Integration

For clients who manage risk scores (internal or third-party), we connect these to Epicor® using BPMs that automatically update customer statuses. This enables rules such as:

• “Block all orders for customers with risk score above 80”

• “Require manual approval if score is borderline”

3. Past Due Balance Enforcement

We configure BPMs that check unpaid invoices and due dates before allowing new transactions. This reduces repeated risk exposure from customers with a history of late payments.

4. Multi-Level Approval Workflows

If you want to allow flexibility without losing control, we set up tiered workflows. For example:

• Sales Manager approval required if credit overrun is under $5,000

• Finance Director approval for anything higher

These workflows are enforced by BPMs with timestamped logs and audit trails.

5. Account Freeze and Reactivation Logic

We automate account freezing when customers meet certain negative criteria (e.g., past due over 90 days), and reactivation only occurs after a defined financial event (e.g., cleared payments).

This ensures sales teams don’t mistakenly transact with blocked accounts.

Real-World Benefits from Epicforce Tech’s BPM Enhancements

Businesses that implement our Epicor® BPM credit control framework gain:

• Automated Risk Management: Transactions are blocked or approved without delay or confusion.

• Improved Cash Flow: Fewer bad debts, faster collections, and stronger financial predictability.

• Sales-Finance Alignment: Clear rules reduce friction between teams and clarify responsibilities.

• Fewer Manual Errors: Less dependency on memory or manual checks means fewer mistakes.

• Audit-Ready Controls: Full tracking of approvals, denials, and overrides for financial reporting.

Why Choose Epicforce Tech for Epicor® BPM Services?

While Epicor® offers the tools, it’s the implementation that delivers real value. At Epicforce Tech, we:

• Translate financial policies into enforceable BPM logic

• Ensure seamless ERP integration without slowing down teams

• Provide training and documentation to help internal staff maintain BPMs long-term

• Support ongoing performance tuning and compliance adjustments

Our goal is not just to build rules—but to embed real-world credit control into your daily workflows.

Final Thoughts

Credit control is not just a finance function—it’s a business stability mechanism. By using Epicor® BPMs, companies can prevent credit misuse, reduce exposure, and manage customer relationships more effectively.

With Epicforce Tech as your BPM implementation partner, you gain not only technical execution but a strategic advantage in how you enforce financial discipline through your ERP.