=== HULO Business Credit ===
Contributors: huloglobal
Tags: trade credit, invoices, b2b, net terms, statements
Requires at least: 6.5
Tested up to: 7.1
Requires PHP: 8.1
Stable tag: 0.1.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Trade credit for WordPress: credit accounts for your users, invoices with net terms, statements, settlements and online invoice payment.

== Description ==

HULO Business Credit lets your business customers buy now and pay later on invoice. It works on any WordPress site; with WooCommerce it also adds **Pay on account** at checkout.

You open a credit account for a WordPress user (or approve their application), with a credit limit and payment terms. You raise invoices for them — lines, purchase order, terms — and they count against the limit. Customers see their account, invoices, payments and statements on a page of your site, and can pay an invoice online through HULO Payments. When the money arrives by bank transfer, cheque or any other way, you record it and the plugin allocates it to the oldest invoices first.

* **Credit accounts** for WordPress users — limit, net terms, grace days, purchase-order requirement, company and VAT details, billing e-mail. Permanent and temporary limit changes with a full history and audit log.
* **Invoices** — raised by you with lines, PO and terms, numbered `INV-000042`, due date = issue date + terms, open / part paid / paid / overdue / written off / void. They count against the credit limit; an account on hold or over its limit is refused unless you override it.
* **Settlements and allocation** — record payments oldest-due-first or against a chosen invoice; overpayments are held as funds and settle the next invoice automatically. Refund a settlement, raise a credit note, void or write off an invoice, add a fee.
* **Prepaid funds** — record a deposit; funds count towards the available credit.
* **Statements** — opening balance, running lines, closing balance and aging for any period, in the admin and on the customer's account page (with a printable page).
* **Customer account page** — the `[hulo_business_credit]` shortcode or the "HULO business credit account" block (a "Credit account" page is created on activation): credit available, invoices with their lines, payments, statement.
* **Online payment** — with the free HULO Payments plugin installed, customers pay an invoice from its page and you can send a pay link; the invoice is settled the moment the payment succeeds.
* **Company accounts** — add colleagues as buyers or viewers.
* **Applications** — customers apply from the account page; you approve with a limit and terms, or reject with a note.
* **Daily pass** — marks overdue invoices, expires temporary limits, flags accounts due a credit review and applies held funds. Send a payment reminder from any invoice with one click.
* **Admin overview** under the HULO menu — exposure, overdue, due in 7 days, funds held, aging and top exposures.

**With WooCommerce** it also adds Pay on account at checkout (classic and Checkout block, with a purchase order field), an invoice for every order paid on account, WooCommerce refunds as credit notes, invoice details on the order screens and e-mails, and My Account → Business credit.

= Pro =

HULO Business Credit Pro (a separate add-on) adds automation and scale: auto-approval rules, credit invitations, an automatic reminder schedule, late fees, auto-suspend, monthly statement e-mails, one pay link for several invoices and prepaid top-ups, payment plans, company members managed by the account holder, a reward points programme and CSV exports. Try Pro free for 14 days, no card: https://huloglobal.com/wordpress-plugins/business-credit/

== Installation ==

1. Install and activate the plugin. A "Credit account" page with the account shortcode is created for you.
2. Go to HULO → Business credit → Settings: set your currency, default terms, the notification e-mail and how customers should pay you.
3. Open an account for a user (Accounts tab), then raise invoices from the account screen.
4. Optional: install HULO Payments so customers can pay invoices online. With WooCommerce, enable **Pay on account** under WooCommerce → Settings → Payments.

== Frequently Asked Questions ==

= Do I need WooCommerce? =

No. Accounts, invoices, statements, settlements and the customer account page all work on plain WordPress. WooCommerce adds Pay on account at checkout.

= How do customers pay? =

By your remittance instructions (bank transfer and so on) — you record the payment — or online through HULO Payments, which settles the invoice automatically.

= Can a customer with an overdue invoice still buy on account? =

Not on account — the overdue hold blocks new invoices and on-account orders until the invoice is settled or written off. You can still raise an invoice on purpose with the override.

= Does it send data anywhere? =

No. The plugin makes no external requests. Online payments are handled by HULO Payments if you install it.

== Screenshots ==

1. Overview: exposure, overdue, aging and top exposures.
2. An account: limit, terms, members, money in, raise an invoice, ledger.
3. The customer's account page.
4. Pay on account at the WooCommerce checkout.

== Changelog ==

= 0.1.0 =
* First release: credit accounts and limits, applications, invoices raised by hand with lines, settlements and allocation, credit notes, prepaid funds, statements, the customer account page (shortcode and block), online invoice payment through HULO Payments, company members, the daily pass and manual reminders. With WooCommerce: Pay on account at checkout, invoices for orders, refunds as credit notes, My Account.
