accounts receivable traffic sign on blue sky

accounts receivable traffic sign blue sky background outstanding invoices customer debts sales credit unpaid trade receivables billing cycle payment terms invoice management collection process aging bad delinquent reminders turnover creditworthiness control limits balance cash flow account reconciliation report allowance doubtful risk assessment negotiation debtor schedule dunning letters agency factoring ledger analysis history clerk conditions debt recovery disputes application policy statement processing efficiency ratio discount early verification approval limit monitoring