Help Topics NWCA

Credit Policy

The purpose of this policy is to ensure that Northwest Custom Apparel will be able to make sales with the assurance of being paid for what we deliver. Credit should be thought of as making an unsecured loan to a stranger. Banks don’t do it, why should we.
We prefer to NOT give customers credit
  1. 1

    Terms We Offer

    • COD (Pay at pickup)
    • Net 10 (Approved Purchase Order or credit application Pay bill in 10 days)
    • Prepaid (web store orders, history of bad and slow pay)
    • Net 30 (credit application or purchase order, reserved only for certain customers)
    • No Charge (WOW, freebie, replacement, donation etc)

    Do not manually type your own terms in. Must select.
    Terms must be setup in the customer section of shopworks


    "Cash is King" says Jim
    Jim Loves CASH!
  2. 2

    Walk-In "NEW" Customers

    • 50% down and remainder on pick up.
      • Generally smaller sized one time orders.

    Purchase Orders
    • We can accept purchase orders from major companies. 
    • The purchase order must be approved by the following
      • Our bookkeeper
      • Erik or Jim
    • We need to know where to send the invoice and who is the Accounts Payable contact at company
      • Need to know who will write the check. 
        • First, Last, Phone, Address, Email Address
  3. 3

    Walk-In "Repeat Customers"

    Repeat customers are customers that have purchased from us previously and have paid their bills on time.
    They don't have to pay 50% down.

    • COD: pay upon pick up.
      • If they want to change to Net 10 terms, please ask the bookkeeper or Jim and Erik
    • Established Customers Net 10
      • Look at the customer in Shopworks and see their terms under their account. 
    • Purchase Orders
      • We can accept purchase orders from major companies. 
      • The purchase order must be approved by the following
        • Our bookkeeper
        • Erik or Jim
      • We need to know where to send the invoice and who is the Accounts Payable contact at company
        • Need to know who will write the check. 
          • First, Last, Phone, Address, Email Address


  4. 4

    New Shipping Customer


    • 50% down and remainder on shipping
      • Include shipping charges

    Purchase Orders
    • We can accept purchase orders from major companies. 
    • The purchase order must be approved by the following
      • Our bookkeeper
      • Erik or Jim
    • We need to know where to send the invoice and who is the Accounts Payable contact at company
      • Need to know who will write the check. 
        • First, Last, Phone, Address, Email Address
  5. 5

    Established Shipping Customers

  6. 6

    How does a customer receive credit with Northwest Custom Apparel

    • New Customer 50% down and balance on delivery. 
      • Run their credit card for 50% at the front counter
        • Walk-in accounts
      • They can pay 50% online nwmanageorders.com
      • We can accept purchases orders from 
    • Make sure a customer who asks for credit is given a credit application. It takes about 30 days to approve credit.      We use normal credit checking services which include calling references.
    • Explain to customer our credit terms are net 10 days. Credit is available for accounts      that regularly purchase. If it is a one-time purchase credit will not be necessary.
    • Generally, one-time sales don’t need credit. It’s best to get a deposit or ask for a credit card number.
  7. 7

    Types of Accounts

    New Account
    ​
    • No credit history and has never done business with Northwest Custom Apparel.We require a 50% deposit or pre-pay. Advise the customer that we take Visa and encourage them to use it, especially for out of state accounts. 
    Current Customer
    • This is an account that has not filled out a credit application and is not rated by any credit-reporting agency. This is a customer whom we have done business with in the past and doesn’t mind the COD method of payment.
    Cash or Pre-Pay
    ​
    • This is an account whom we have had serious trouble with in the past. We really don’t encourage these types of      customers.
    Regular Account
    • A credit application is completed and approved. The account is current and the customer has purchased from us in the last two years.
    Past Due Accounts: 
    ​
    • Past due at 30 days Account will be put on credit hold and we can no longer accept orders until paid in full. 
  8. 8

    Tips for Screen Credit

    • Check a customer’s account balance when writing the order. Call customer if the account is out of line with our credit terms. In all cases be diplomatic in explaining the problem to the customer.

    • Be wary of out of state new customers who promise future big orders. Be leery of anyone leaving his or her current supplier. Generally, they have exhausted their credit and are looking for new pigeons.

    • Rush orders who can’t wait for credit approval.These are frequently a scam. Get all money up front to be safe.

    • Large companies who frequently shop their orders because they have worn their credit out with their current suppliers.

    • People buying for groups, clubs, or non-profit organizations. Often they don’t have the approval to buy.