Industry Focus: Point-of-Sale Financing

Short tenors

POS loans often feature short durations and fixed schedules. Align dates and statuses so the trade ages and closes correctly without residual balances.

Returns and refunds

Coordinate with merchants to reflect returns or canceled orders promptly so balances and statuses match reality.

Avoid negative balances by netting refunds within the same cycle and aligning with the as-of date.

Partial deliveries & split shipments

If disbursements are staged, ensure the schedule and outstanding balance reflect goods received and consumer obligations at each step.