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Step 1.7 — EZ Loader Shipper Credit Limit

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Step 1.7 — EZ Loader Shipper Credit Limit

Phase: Phase 1 — New Shipper Onboarding Owner: Accounting (setup and ongoing management) Trigger: Invoice settings configured in EZ-Loader (Step 1.6 complete).

🎯 Ideal State

Accounting sets the Shipper credit limit in EZ-Loader. This controls how much freight can be actively booked for the Shipper at any given time. When a load is built, the Shipper rate is subtracted from available credit. When the Shipper’s invoice is paid, that amount is added back. EZ Loader hard-wires enforcement — if available credit is insufficient for a new load, EZ Loader blocks load creation.

Credit limit setting logic:

ScenarioCredit Limit Approach
Factored, Tier 1 (Non-recourse)Set at or below HaulPay-approved limit. Default: $50,000. Adjust based on HaulPay’s approved limit for this Shipper.
Factored, Tier 2 (Recourse)Set at or below HaulPay-approved limit, but consider a more conservative setting since Forza carries non-payment risk. Discuss case-by-case.
Path A Self-FinanceSet at Founder-CEO-approved per-Shipper self-financed limit (not the $50K default).
Path B Self-FinanceSet at Founder-CEO-approved per-Shipper self-financed limit.

Critical relationship between EZ Loader and HaulPay limits:

  • HaulPay’s credit limit determines how much HaulPay will factor.
  • EZ-Loader’s credit limit determines how much Forza will book.
  • Best practice: EZ Loader limit ≤ HaulPay limit. If EZ Loader limit is higher than HaulPay limit, Forza may book loads that HaulPay will not factor — creating a funding gap.

User permissions: In EZ-Loader, admin users (Founder/CEO, Ops Manager, Accounting) can modify credit limits. Per Forza policy, Accounting approves actual credit limit changes. Credit limit increases above a threshold should require Founder-CEO sign-off.

⚠️ Decision Required — Founder-CEO: Set the threshold above which credit limit changes require Founder/CEO approval (e.g., any increase above $100K, or any change to a self-financed Shipper’s limit).

🤖 SYSTEM AUTOMATION

EZ-Loader default credit limit ($50K) auto-applies to new Shippers and can be adjusted per Shipper. Credit enforcement (blocking load creation when credit is exhausted) is fully automated.

📍 Current State

  • Default credit limit in EZ-Loader is set to $50,000 for all new Shippers.
  • EZ Loader enforces the limit automatically — this works well.
  • No documented process for adjusting the default for factored Shippers based on HaulPay-approved limits.
  • No documented process for self-financed Shipper credit limits (overlaps with Step-1.3a-Self-Finance-Decision-Path).
  • No defined approval threshold for credit limit increases.

Who does this today: Accounting.

🚧 Gap

🛠️ Gap Closure Actions

  • Action 1 — Document credit limit setting SOP: how to align EZ-Loader limit with HaulPay-approved limit, when to deviate, how to handle self-financed limits (Owner: Casey + Accounting | Effort: Low)
  • Action 2 — ⚠️ Founder/CEO decision: Define credit limit change approval threshold (Owner: Founder-CEO | Effort: Decision)
  • Action 3 — Document credit limit increase request and approval workflow (Owner: Casey + Accounting | Dependency: Threshold defined | Effort: Low)
  • Action 4 — Add credit limit configuration check to greenlight checklist in Step-1.11-Greenlight-Declaration (Owner: Casey + Accounting | Dependency: SOP documented | Effort: Low)

Previous: Step-1.6-EZ-Loader-Invoice-Settings-Requirements | Next: Step-1.8-Debtor-Verification-NOA-Outreach

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