B2B Credit Management Software India
Reduce DSO. Recover Trade Credit. Automate Follow-Up.
Every day your B2B invoice sits unpaid, your working capital shrinks. FastFee automates the entire credit-to-cash cycle — WhatsApp reminder on due date, structured D+3/D+7/D+15 escalation, risk-scored queue, Tally import, and UPI AutoPay for regular buyers.
Trade Credit Lifecycle — Invoice to Collected
FastFee automates every step. No account falls through the cracks.
Why DSO Matters for B2B Businesses
DSO (Days Sales Outstanding) measures how long it takes to collect payment after a sale. Every extra day costs you working capital. A business with ₹1Cr monthly B2B revenue and 45-day DSO has ₹1.5Cr locked in receivables at all times.
FastFee businesses typically reduce DSO by 8–12 days — freeing ₹26–40L in working capital for every ₹1Cr/month of B2B revenue. That's cash you can redeploy into inventory, growth, or debt repayment.
DSO = (Total Receivables ÷ Total Credit Sales) × Number of DaysComplete B2B Credit Collection Toolkit
📊 Trade credit ledger
Per-buyer outstanding, invoice history, credit utilisation, and payment track record in one view.
🚦 Credit limit monitoring
Set per-buyer limits. Flag or block new orders when the buyer is overdue or at limit.
📈 DSO & aging reports
Outstanding by 0–30, 31–60, 61–90, 90+ days — by buyer, salesperson, region, or product category.
💬 WhatsApp reminders + UPI links
Due-date reminder with a one-click UPI payment link. No login, no portal — buyer pays in 30 seconds.
🔄 UPI AutoPay for regular buyers
High-value or recurring buyers authorise a UPI AutoPay mandate. Dues collected automatically each cycle.
🎯 Risk-scored collection queue
Buyers ranked by risk score (days overdue + PTP history + credit utilisation). Collections team works highest-risk first.
📝 Promise-to-pay (PTP) tracker
Log every PTP commitment. Auto-reminder if buyer misses their committed payment date.
🔗 Tally / ERP import
Import outstanding from Tally, Busy, Marg, SAP Business One, or any ERP via Excel/CSV. No custom integration needed.
🗺️ Multi-branch / territory view
Region-wise, branch-wise, and salesperson-wise aging — consolidated at company level.
📑 TDS reconciliation
Log TDS deductions (194C, 194J, 194-I) against invoices. Track Form 26AS receivable separately from outstanding.
Which Indian B2B Businesses Need Credit Management Software
FMCG & pharma distributors
100–500 retail credit accounts. 30-day terms. Outstanding ₹20L–₹5Cr. FastFee recovers dues before month-end stock ordering.
Building materials & hardware
Contractor credit, project-based billing. Long credit cycles (60–90 days). FastFee structures the escalation so contractors pay before the next supply.
Auto parts & industrial distributors
Dealer networks with region-wise outstanding. Territory managers get their own dashboard. Company MD sees consolidated DSO.
Manufacturers with dealer networks
Scheme recovery, dealer advance adjustment, credit note handling. FastFee manages the complex ledger without custom ERP work.
B2B service firms
Retainer billing, project milestones, SaaS subscriptions. Multiple open invoices per client — all tracked in one place.
NBFCs & chit fund operators
Member installment tracking, mandate failure recovery, compliance-friendly escalation for RBI-regulated entities.
FastFee vs HighRadius vs Tally vs Excel
For Indian SMEs and distributors — which tool actually makes sense?
| Feature | FastFee | HighRadius | Tally | Excel |
|---|---|---|---|---|
| Onboarding time | 2–3 days | 6–12 months | Not applicable | Immediate (but manual) |
| Pricing (India SME) | flat annual subscription | $50,000+/year | No AR collection | Free (staff time = cost) |
| WhatsApp reminders | ✓ Automated | ✗ Email/portal | ✗ | ✗ |
| UPI AutoPay collection | ✓ Built-in | ✗ No UPI | ✗ | ✗ |
| Risk-scored queue | ✓ | ✓ (AI) | ✗ | ✗ |
| Tally/ERP import | ✓ Excel/CSV | ✓ Direct API | Native | ✓ Manual |
| TDS reconciliation | ✓ | ✓ | ✓ | Manual |
| Multi-branch dashboard | ✓ | ✓ | Partial | ✗ |
How to Set Up B2B Credit Management with FastFee
Import outstanding
Upload your Tally/ERP outstanding report via Excel/CSV. FastFee maps buyers, amounts, due dates, and credit terms automatically.
Set credit rules
Configure per-buyer credit limits, payment term defaults (30/45/60 days), and risk scoring weights for your business.
Activate automation
FastFee sends WhatsApp reminders on due dates and triggers D+3/D+7/D+15 escalation for overdue accounts automatically.
Collect & reconcile
Dashboard shows risk-ranked buyers. Log PTP, mark payments received. Export reconciled data back to Tally.
Frequently Asked Questions — B2B Credit Management
What is B2B credit management software?
B2B credit management software helps businesses that sell on open credit terms (30/45/60-day payment terms) to track outstanding invoices, set per-buyer credit limits, automate due-date reminders, log promise-to-pay commitments, and run escalation workflows when accounts become overdue. It sits between your billing system and your collections team.
How does FastFee reduce DSO (Days Sales Outstanding)?
FastFee reduces DSO by sending automated WhatsApp reminders with UPI payment links on the exact due date — so payment collection starts on Day 0, not Day 7 when someone manually follows up. Businesses using FastFee typically see 8–12 day DSO reduction within 60 days. FastFee also surfaces the highest-risk buyers first so collectors prioritise the right accounts.
What is trade credit risk scoring?
Trade credit risk scoring assigns each buyer a risk score based on payment history, days overdue, promise-to-pay track record, and credit utilisation. FastFee's risk queue puts high-risk buyers at the top of the collection dashboard so your team acts on the right accounts first — rather than working alphabetically or by invoice date.
Does FastFee integrate with Tally and ERP systems?
Yes. FastFee imports outstanding invoices from Tally (via Excel/CSV export), Busy, Marg, SAP Business One, and custom ERP systems. Once imported, FastFee manages the collection workflow. Payments and TDS adjustments sync back via export for Tally reconciliation.
What is the D+3 / D+7 / D+15 escalation in B2B collections?
The D+3/D+7/D+15 escalation framework means: D+0 = WhatsApp reminder on due date; D+3 = follow-up call prompt to sales executive; D+7 = escalation to senior manager; D+15 = field visit alert; D+30 = legal/formal notice. FastFee automates these triggers so no overdue account falls through the cracks because of manual follow-up gaps.
How does FastFee handle TDS on B2B invoices?
When a corporate buyer deducts TDS before paying, FastFee records the net bank credit and logs TDS separately as a receivable. Example: Invoice ₹1,18,000 (base ₹1,00,000 + 18% GST) → Buyer pays ₹1,10,000 after 10% TDS on base → FastFee logs ₹1,10,000 received + ₹10,000 TDS receivable → Invoice outstanding = ₹0. TDS is tracked for Form 26AS quarterly reconciliation. Section 194J (professional services, 10%) and 194C (works contracts, 2%) are both supported.
Which businesses need B2B credit management software in India?
FMCG distributors with 100–500 retail credit accounts, pharma distributors, building materials and hardware wholesalers, auto parts distributors, manufacturers with dealer networks, B2B SaaS and service companies with monthly invoicing, and any business with ₹5L+ of trade credit outstanding at any given time.
FastFee vs HighRadius for B2B credit management — which is better for Indian SMEs?
HighRadius is an enterprise AR platform used by Fortune 500 companies — minimum contracts start at $50,000/year and require 6–12 months of implementation. FastFee is built for Indian SMEs and mid-market businesses — onboards in days, integrates with Tally/Excel, uses WhatsApp for reminders (which Indian buyers actually respond to), and starts at flat annual subscription. For businesses with under ₹50Cr revenue, FastFee delivers 80% of the outcome at 5% of the cost.
Can FastFee collect from multiple branches and regions?
Yes. FastFee supports multi-branch, multi-region B2B collections. Each region or salesperson gets their own dashboard showing their outstanding accounts. Territory-wise aging reports, branch-wise DSO comparison, and consolidated company-level view are all available.
Stop Losing Working Capital to Overdue B2B Invoices
FastFee automates the full trade credit collection cycle — due-date reminders, risk scoring, D+3/D+7/D+15 escalation, UPI AutoPay. Onboard in days. No ERP integration required.