Credit Terms & Policy Information

Credit Terms & Policy Info

US Courier Service dba USCS

Updated and Effective Date: September 28th, 2025

USCS Credit & Department Policies

Trade Reference Requirement Policy: All credit applications must include a minimum of three trade references from businesses with similar transaction volumes.
Financial Statement Submission Policy: Applicants must submit complete and accurate financial statements, including balance sheets and income statements, from the past two fiscal years.
Credit Limit Assessment Policy: Credit limits are determined based on a thorough review of financial stability, trade references, and credit history.
High-Risk Client Policy: High-risk clients, including startups and businesses in volatile industries, must provide additional financial guarantees and a security deposit.
Billing Term Options Policy: USCS offers Net 7, Net 15, and Prepaid billing terms with 0% APR; Net 30 terms require additional verification and approval.
Credit Card Fee Policy: A 2.9% terminal fee applies to all credit card payments; clients can avoid this fee by opting for wire transfer or ACH payments. **Some exceptions may apply.
Verification Documentation Policy: All clients must provide business registration details, including incorporation documents and business licenses, for verification.
KYC Documentation Policy: Clients are required to complete Know Your Customer (KYC) documentation to comply with regulatory standards and internal policies.
Risk Categorization Policy: Clients are categorized as high-risk, medium-risk, or low-risk based on their credit history, financial stability, and business sector.
Security Deposit Policy: High-risk clients must provide a security deposit equal to 10% of the requested credit limit to mitigate potential risks.
Credit Limit Review Policy: Clients can request a review of their credit limit by providing updated financial statements and trade references.
Incomplete Application Policy: Incomplete credit applications will be returned to the client with a request for additional information; processing will resume upon receipt of the required documents.
Financial Stability Verification Policy: Financial stability is verified through a review of financial statements, credit reports, and trade references.
Trade Reference Validation Policy: Trade references must include contact details and will be validated by our credit team through direct communication with the references provided.
Business License Verification Policy: All business licenses and incorporation documents must be verified as part of the credit application process.
Personal Guarantee Requirement Policy: High-risk clients may be required to provide a personal guarantee from the business owner to secure the credit line.
Additional Documentation Policy: Medium-risk clients may be required to provide additional documentation, such as recent tax returns and financial forecasts.
Expedited Processing Policy: Low-risk clients with strong financial stability and positive trade references are eligible for expedited processing of their credit applications.
Credit Limit Adjustment Policy: Credit limits are subject to periodic review and adjustment based on the client’s financial performance and payment history.
Financial Document Accuracy Policy: All financial documents submitted must be accurate and up-to-date; discrepancies may result in application denial or additional scrutiny.
Trusted Source Reference Policy: Trade references must be from trusted sources with a proven track record of financial stability and timely payments.
Contingency Plan Requirement Policy: High-risk clients must provide a contingency plan outlining how they will manage financial obligations in case of business disruptions.
Recent Financial Data Policy: Medium-risk clients must provide recent financial data, including the last three months’ financial statements and cash flow reports.
Payment Method Selection Policy: Clients must select a payment method during the application process; any fees associated with the chosen method will be disclosed upfront.
Credit Review Communication Policy: Clients will be informed of the outcome of their credit review within 15 business days of submitting a complete application.
Financial Forecast Submission Policy: High-risk clients may be required to submit a detailed financial forecast for the next 12 months.
Insurance Requirement Policy: High-risk clients may need to provide proof of business insurance to cover potential defaults or disruptions.
Monthly Payment Schedule Policy: Clients with Net 30 terms must adhere to a monthly payment schedule; late payments will incur a fee.
Credit History Review Policy: A comprehensive review of the client’s credit history will be conducted as part of the application process.
Trade Reference Response Policy: Trade references that do not respond to validation requests within 10 business days may result in delays or denial of the credit application.
Client Communication Policy: Clients will receive regular updates on the status of their credit application and any additional information required.
Business Ownership Verification Policy: The ownership structure of the client’s business must be verified through official documentation.
Credit Limit Cap Policy: A maximum credit limit cap will be set based on the client’s financial capacity and industry standards.
Seasonal Business Assessment Policy: Seasonal businesses must provide additional documentation demonstrating their financial stability during off-peak periods.
Credit Application Resubmission Policy: Denied applications can be resubmitted with additional supporting documentation for reconsideration.
Client Onboarding Policy: Approved clients will undergo an onboarding process to familiarize them with USCS credit policies and payment procedures.
Payment History Monitoring Policy: The payment history of all clients will be continuously monitored to ensure compliance with credit terms.
Financial Health Assessment Policy: Clients must provide evidence of their financial health through audited financial statements or third-party assessments.
Trade Reference Update Policy: Clients must update their trade references annually to maintain their credit status with USCS.
Late Payment Penalty Policy: Late payments will incur a penalty fee of 1.5% per month on the outstanding balance.
High-Value Transaction Policy: Transactions exceeding $100,000 will undergo additional review and approval by senior management.
Credit Line Suspension Policy: Credit lines may be suspended if the client fails to adhere to payment terms or provides inaccurate information.
Annual Credit Review Policy: An annual review of the client’s credit status will be conducted to assess their ongoing eligibility for credit terms.
Third-Party Credit Report Policy: USCS may obtain third-party credit reports to verify the financial stability and creditworthiness of the client.
Fraud Prevention Policy: All credit applications will be screened for potential fraud, and suspicious activities will be reported to the relevant authorities.
Client Feedback Policy: Client feedback on the credit application process will be collected and used to improve our services.
Credit Limit Reduction Policy: Credit limits may be reduced if there are significant changes in the client’s financial stability or payment behavior.
Payment Plan Adjustment Policy: Payment plans can be adjusted based on the client’s financial situation, subject to approval.
Credit Line Increase Policy: Clients can request a credit line increase by providing updated financial information and demonstrating the need for additional credit.
Emergency Credit Line Policy: Emergency credit lines may be available for clients experiencing unforeseen financial difficulties, subject to approval.
Client Education Policy: Clients will receive educational materials on managing credit and maintaining financial stability.
Risk Mitigation Policy: Various risk mitigation strategies, such as requiring security deposits and personal guarantees, will be employed to protect USCS.
Compliance Policy: All credit policies and procedures will comply with relevant financial regulations and industry standards.
Confidentiality Policy: Client financial information will be kept confidential and used solely for the purpose of credit assessment.
Debt Collection Policy: USCS will employ a structured debt collection process for overdue accounts, including reminders and legal action if necessary.
Credit Policy Review Policy: Credit policies will be reviewed annually to ensure they remain relevant and effective.
Credit Application Fee Policy: A non-refundable credit application fee may be charged to cover the cost of processing the application.
Credit Score Requirement Policy: A minimum credit score requirement will be established for all credit applications.
Financial Ratio Analysis Policy: Financial ratio analysis will be conducted as part of the credit assessment process to evaluate the client’s financial health.
High-Risk Industry Policy: Clients in high-risk industries, such as construction or real estate, may be subject to additional scrutiny and requirements.
Payment Method Change Policy: Clients can change their selected payment method with prior approval from the credit department.
Credit Application Renewal Policy: Credit applications must be renewed annually to maintain an active credit line with USCS.
Client Relationship Management Policy: A dedicated relationship manager will be assigned to each client to address their credit needs and concerns.
Credit Utilization Monitoring Policy: The utilization of credit lines will be monitored to ensure clients are not overextending their financial capacity.
Client Risk Profile Policy: A risk profile will be created for each client based on their financial history and industry risks.
Payment Method Disclosure Policy: All payment methods and associated fees will be disclosed to clients upfront during the application process.
Credit Term Adjustment Policy: Credit terms may be adjusted based on the client’s payment history and financial performance.
Client Verification Policy: The identity of all clients must be verified through official documents before approving credit.
Collateral Requirement Policy: Collateral may be required for high-risk clients to secure the credit line.
Client Credit Training Policy: Training sessions will be offered to clients to help them understand and manage their credit lines effectively.
Credit Account Closure Policy: Credit accounts can be closed at the client’s request or if they fail to meet credit terms.
Credit Utilization Report Policy: Clients will receive regular reports on their credit utilization and payment status.
Dispute Resolution Policy: A dispute resolution process will be in place to handle any disagreements between USCS and clients regarding credit terms.
Credit Risk Management Policy: Comprehensive risk management practices will be employed to protect USCS from potential credit losses.
Financial Stress Test Policy: Financial stress tests will be conducted on high-risk clients to evaluate their ability to withstand economic downturns.
Early Payment Discount Policy: Clients may be offered discounts for early payment of their invoices.
Client Credit Evaluation Policy: A detailed credit evaluation process will be followed to assess each client’s creditworthiness.
Credit Approval Committee Policy: A credit approval committee will review and approve all high-value credit applications.
Credit Line Utilization Policy: Clients are encouraged to utilize their credit lines responsibly to maintain good standing.
Client Credit Counseling Policy: Credit counseling services will be available to clients experiencing financial difficulties.
Credit Terms Enforcement Policy: Credit terms will be strictly enforced, and non-compliance will result in penalties or credit line suspension.
Credit Limit Notification Policy: Clients will be notified of their approved credit limits and any changes to them in writing.
Industry Benchmarking Policy: Industry benchmarks will be used to evaluate the financial performance of clients.
Credit Portfolio Management Policy: The credit portfolio will be managed to ensure diversification and minimize risk.
Client Credit History Policy: A comprehensive credit history will be maintained for all clients.
Invoice Factoring Policy: Invoice factoring services may be offered to clients to improve their cash flow.
Client Financial Review Policy: Regular financial reviews will be conducted for all clients to assess their ongoing creditworthiness.
Financial Documentation Retention Policy: Financial documents will be retained for a minimum of seven years for audit purposes.
Credit Line Utilization Cap Policy: A cap will be placed on credit line utilization to prevent overextension.
Payment History Reporting Policy: Payment history will be reported to credit bureaus to help clients build their credit profiles.
Financial Covenant Policy: Financial covenants may be imposed on high-risk clients to ensure compliance with credit terms.
Client Credit Account Review Policy: Credit accounts will be reviewed regularly to ensure they remain in good standing.
Trade Credit Insurance Policy: Trade credit insurance may be required for high-risk clients to protect against non-payment.
Client Onboarding Documentation Policy: Comprehensive onboarding documentation will be provided to new clients to explain credit policies and procedures.
Client Feedback Implementation Policy: Feedback from clients will be used to continuously improve credit policies and procedures.
Credit Risk Assessment Tool Policy: Advanced credit risk assessment tools will be used to evaluate client applications.
Client Financial Ratio Monitoring Policy: Financial ratios will be monitored to detect early signs of financial distress.
Cross-Selling Credit Services Policy: Cross-selling opportunities for credit services will be explored to meet client needs.
Credit Account Reconciliation Policy: Regular reconciliation of credit accounts will be conducted to ensure accuracy.
Credit Limit Utilization Policy: Clients are encouraged to utilize their credit limits efficiently to optimize their financial resources.
Client Financial Stability Policy: Clients must demonstrate financial stability through consistent cash flow and profitability.
Credit Line Renewal Policy: Credit lines must be renewed annually to maintain active status.
Client Risk Mitigation Policy: Risk mitigation strategies will be employed to protect against potential client defaults.
Client Creditworthiness Assessment Policy: A thorough assessment of creditworthiness will be conducted for all new clients.
Invoice Payment Term Policy: Invoice payment terms will be clearly defined and communicated to clients.
Client Credit Utilization Policy: Clients must utilize their credit lines within the agreed limits.
Credit Application Approval Policy: Credit applications will be approved based on a comprehensive review of financial documents and trade references.
Client Credit Risk Policy: Credit risk will be managed through a combination of policies, procedures, and risk mitigation strategies.
Credit Line Utilization Review Policy: Regular reviews of credit line utilization will be conducted to ensure compliance.
Client Payment Behavior Monitoring Policy: Client payment behavior will be monitored to identify any potential issues.
Credit Approval Threshold Policy: Approval thresholds will be established based on the client’s financial capacity and credit history.
Client Credit Reporting Policy: Regular credit reports will be provided to clients to keep them informed of their credit status.
Credit Line Adjustment Request Policy: Clients can request adjustments to their credit lines by providing updated financial information.
Financial Performance Review Policy: The financial performance of clients will be reviewed regularly to assess their creditworthiness.
Credit Line Utilization Cap Policy: A cap will be placed on credit line utilization to prevent overextension.
Client Payment History Reporting Policy: Payment history will be reported to credit bureaus to help clients build their credit profiles.
Financial Covenant Compliance Policy: Financial covenants may be imposed on high-risk clients to ensure compliance with credit terms.
Client Credit Account Maintenance Policy: Credit accounts will be maintained in good standing through regular reviews and monitoring.
Trade Credit Insurance Policy: Trade credit insurance may be required for high-risk clients to protect against non-payment.
Client Onboarding Policy: Comprehensive onboarding documentation will be provided to new clients to explain credit policies and procedures.
Client Feedback Implementation Policy: Feedback from clients will be used to continuously improve credit policies and procedures.
Credit Risk Assessment Tool Policy: Advanced credit risk assessment tools will be used to evaluate client applications.
Client Financial Ratio Monitoring Policy: Financial ratios will be monitored to detect early signs of financial distress.
Cross-Selling Credit Services Policy: Cross-selling opportunities for credit services will be explored to meet client needs.
Credit Account Reconciliation Policy: Regular reconciliation of credit accounts will be conducted to ensure accuracy.
Credit Limit Utilization Policy: Clients are encouraged to utilize their credit limits efficiently to optimize their financial resources.
Client Financial Stability Policy: Clients must demonstrate financial stability through consistent cash flow and profitability.
Credit Line Renewal Policy: Credit lines must be renewed annually to maintain active status.
Client Risk Mitigation Policy: Risk mitigation strategies will be employed to protect against potential client defaults.
Client Creditworthiness Assessment Policy: A thorough assessment of creditworthiness will be conducted for all new clients.
Invoice Payment Term Policy: Invoice payment terms will be clearly defined and communicated to clients.
Client Credit Utilization Policy: Clients must utilize their credit lines within the agreed limits.
Credit Application Approval Policy: Credit applications will be approved based on a comprehensive review of financial documents and trade references.
Client Credit Risk Policy: Credit risk will be managed through a combination of policies, procedures, and risk mitigation strategies.
Credit Line Utilization Review Policy: Regular reviews of credit line utilization will be conducted to ensure compliance.
Client Payment Behavior Monitoring Policy: Client payment behavior will be monitored to identify any potential issues.
Credit Approval Threshold Policy: Approval thresholds will be established based on the client’s financial capacity and credit history.
Client Credit Reporting Policy: Regular credit reports will be provided to clients to keep them informed of their credit status.
Credit Line Adjustment Request Policy: Clients can request adjustments to their credit lines by providing updated financial information.
Financial Performance Review Policy: The financial performance of clients will be reviewed regularly to assess their creditworthiness.
Client Credit Line Utilization Cap Policy: A cap will be placed on credit line utilization to prevent overextension.
Client Payment History Reporting Policy: Payment history will be reported to credit bureaus to help clients build their credit profiles.
Financial Covenant Compliance Policy: Financial covenants may be imposed on high-risk clients to ensure compliance with credit terms.
Client Credit Account Maintenance Policy: Credit accounts will be maintained in good standing through regular reviews and monitoring.
Client Trade Credit Insurance Policy: Trade credit insurance may be required for high-risk clients to protect against non-payment.
Client Onboarding Policy: Comprehensive onboarding documentation will be provided to new clients to explain credit policies and procedures.
Client Feedback Implementation Policy: Feedback from clients will be used to continuously improve credit policies and procedures.
Client Credit Risk Assessment Tool Policy: Advanced credit risk assessment tools will be used to evaluate client applications.
Client Financial Ratio Monitoring Policy: Financial ratios will be monitored to detect early signs of financial distress.
Client Cross-Selling Credit Services Policy: Cross-selling opportunities for credit services will be explored to meet client needs.
Client Credit Account Reconciliation Policy: Regular reconciliation of credit accounts will be conducted to ensure accuracy.
Client Credit Limit Utilization Policy: Clients are encouraged to utilize their credit limits efficiently to optimize their financial resources.
Client Financial Stability Policy: Clients must demonstrate financial stability through consistent cash flow and profitability.
Client Credit Line Renewal Policy: Credit lines must be renewed annually to maintain active status.
Client Risk Mitigation Policy: Risk mitigation strategies will be employed to protect against potential client defaults.
Client Creditworthiness Assessment Policy: A thorough assessment of creditworthiness will be conducted for all new clients.
Client Invoice Payment Term Policy: Invoice payment terms will be clearly defined and communicated to clients.
Client Credit Utilization Policy: Clients must utilize their credit lines within the agreed limits.
Client Credit Application Approval Policy: Credit applications will be approved based on a comprehensive review of financial documents and trade references.
Client Credit Risk Policy: Credit risk will be managed through a combination of policies, procedures, and risk mitigation strategies.
Client Credit Line Utilization Review Policy: Regular reviews of credit line utilization will be conducted to ensure compliance.
Client Payment Behavior Monitoring Policy: Client payment behavior will be monitored to identify any potential issues.
Client Credit Approval Threshold Policy: Approval thresholds will be established based on the client’s financial capacity and credit history.
Client Credit Reporting Policy: Regular credit reports will be provided to clients to keep them informed of their credit status.
Client Credit Line Adjustment Request Policy: Clients can request adjustments to their credit lines by providing updated financial information.
Client Financial Performance Review Policy: The financial performance of clients will be reviewed regularly to assess their creditworthiness.
Client Credit Line Utilization Cap Policy: A cap will be placed on credit line utilization to prevent overextension.
Client Payment History Reporting Policy: Payment history will be reported to credit bureaus to help clients build their credit profiles.
Client Financial Covenant Compliance Policy: Financial covenants may be imposed on high-risk clients to ensure compliance with credit terms.
Client Credit Account Maintenance Policy: Credit accounts will be maintained in good standing through regular reviews and monitoring.
Client Trade Credit Insurance Policy: Trade credit insurance may be required for high-risk clients to protect against non-payment.
Client Onboarding Documentation Policy: Comprehensive onboarding documentation will be provided to new clients to explain credit policies and procedures.
Client Feedback Implementation Policy: Feedback from clients will be used to continuously improve credit policies and procedures.
Client Credit Risk Assessment Tool Policy: Advanced credit risk assessment tools will be used to evaluate client applications.
Client Financial Ratio Monitoring Policy: Financial ratios will be monitored to detect early signs of financial distress.
Client Cross-Selling Credit Services Policy: Cross-selling opportunities for credit services will be explored to meet client needs.
Client Credit Account Reconciliation Policy: Regular reconciliation of credit accounts will be conducted to ensure accuracy.
Client Credit Limit Utilization Policy: Clients are encouraged to utilize their credit limits efficiently to optimize their financial resources.
Client Financial Stability Policy: Clients must demonstrate financial stability through consistent cash flow and profitability.
Client Credit Line Renewal Policy: Credit lines must be renewed annually to maintain active status.
Client Risk Mitigation Policy: Risk mitigation strategies will be employed to protect against potential client defaults.
Client Creditworthiness Assessment Policy: A thorough assessment of creditworthiness will be conducted for all new clients.
Client Invoice Payment Term Policy: Invoice payment terms will be clearly defined and communicated to clients.
Client Credit Utilization Policy: Clients must utilize their credit lines within the agreed limits.
Client Credit Application Approval Policy: Credit applications will be approved based on a comprehensive review of financial documents and trade references.
Client Credit Risk Policy: Credit risk will be managed through a combination of policies, procedures, and risk mitigation strategies.
Client Credit Line Utilization Review Policy: Regular reviews of credit line utilization will be conducted to ensure compliance.
Client Payment Behavior Monitoring Policy: Client payment behavior will be monitored to identify any potential issues.
Client Credit Approval Threshold Policy: Approval thresholds will be established based on the client’s financial capacity and credit history.
Client Credit Reporting Policy: Regular credit reports will be provided to clients to keep them informed of their credit status.
Client Credit Line Adjustment Request Policy: Clients can request adjustments to their credit lines by providing updated financial information.
Client Financial Performance Review Policy: The financial performance of clients will be reviewed regularly to assess their creditworthiness.
Client Credit Line Utilization Cap Policy: A cap will be placed on credit line utilization to prevent overextension.
Client Payment History Reporting Policy: Payment history will be reported to credit bureaus to help clients build their credit profiles.
Client Financial Covenant Compliance Policy: Financial covenants may be imposed on high-risk clients to ensure compliance with credit terms.
Client Credit Account Maintenance Policy: Credit accounts will be maintained in good standing through regular reviews and monitoring.
Client Trade Credit Insurance Policy: Trade credit insurance may be required for high-risk clients to protect against non-payment.
Client Onboarding Documentation Policy: Comprehensive onboarding documentation will be provided to new clients to explain credit policies and procedures.
Client Feedback Implementation Policy: Feedback from clients will be used to continuously improve credit policies and procedures.
Client Credit Risk Assessment Tool Policy: Advanced credit risk assessment tools will be used to evaluate client applications.
Past Due Prohibition Policy:
USCS does not carry past due balances on credit accounts. All invoices must be paid by the stated due date to maintain account standing and access to credit.
High-Ticket Zero-Tolerance Policy:
For accounts with significant exposure (based on projected monthly spend), past due balances are not permitted under any circumstances due to the heightened risk of unrecoverable losses.
No Float Policy:
We do not offer grace periods or informal extensions for high-ticket or recurring volume clients. Any form of unpaid carryover is considered a credit breach.
Service Suspension on Delinquency Policy:
Accounts that become past due are subject to immediate service interruption, including halted shipments and order rejection, until the balance is brought current.
Tiered Risk Guardrails Policy:
High-risk industries and high-ticket clients are subject to tighter credit thresholds, including stricter enforcement of due dates and no tolerance for roll-over debt.
Zero Carryover on Unsecured Credit Policy:
Unsecured clients (i.e., those without financial instruments, insurance, or deposits) are never allowed to carry any past due amounts under policy provisions 6a and 6c.
Logistics Liquidity Protection Policy:
Because transportation and supply chain costs are cash-intensive and front-loaded, client payment timeliness is critical to maintain operational liquidity.
Escalation Policy for Delinquent Accounts:
Any overdue invoice triggers internal escalation procedures after 48 hours, including engagement from finance leadership and credit suspension consideration.
No Rolling Credit Extensions Policy:
Requests for time extensions are not granted as a regular practice and are reviewed case-by-case only with a formal written request and prior to invoice due date.
Delinquency Preclusion for Active Accounts Policy:
Active clients must resolve outstanding balances to continue receiving service. Accumulated unpaid debt while shipping or ordering will result in account closure.
Credit Freeze After Missed Term Policy:
One missed term on a high-ticket account automatically results in a credit freeze pending full payment and re-qualification.
Past Due Risk Reclassification Policy:
Any past due activity will immediately trigger an internal reclassification of the account to a higher risk tier, which will affect terms, limits, and approval.
Volume-Based Sensitivity Policy:
The higher the requested credit volume, the stricter the enforcement of payment terms. Larger exposure magnifies operational risk and therefore tolerates no lateness.
No Net Aging Allowance Policy:
We do not support rolling balances or cumulative aging schedules for B2B credit relationships. Each invoice is treated as a standalone payment obligation.
Rapid Revocation Clause:
USCS reserves the right to revoke any and all credit privileges with or without notice if payment integrity is compromised—even for long-standing clients.
Negative Payment Behavior Trigger Policy:
Any indication of systematic late payments or payment hesitation—particularly from clients in high-exposure brackets—results in preemptive credit control review.
Advance Shipment Block Policy:
If a balance is past due or terms are violated, all shipments in queue will be held or canceled until payment is resolved and credit review is completed.
Cash Flow Continuity Policy:
Because supply chain continuity depends on fluid cash flow across lanes, client delays in payment directly endanger service timelines and partner obligations.
Credit Line Re-Evaluation Upon Default Policy:
Past due activity mandates a full re-evaluation of the account, including possible term changes (e.g., moving to Net 7, Prepay, or COD) and limit reductions.
Finality of Terms Policy:
All terms agreed upon in credit arrangements are final unless formally amended by USCS Finance. Past due payments constitute a breach of these terms and nullify previous agreements.
Behavioral Risk Monitoring Policy:
USCS evaluates not just payment history but behavioral cues such as urgency, pressure tactics, and overpromising during onboarding as potential risk indicators.
Time Pressure Escalation Flag Policy:
Prospective clients insisting on expedited approvals outside of our review window may trigger an automatic escalation and credit denial pending enhanced vetting.
Verbal Request Non-Validity Clause:
Verbal agreements, requests, or assurances regarding credit terms, payment extensions, or billing exceptions are not binding unless confirmed in writing by USCS Finance.
Misalignment Risk Policy:
Clients whose self-reported financial position, references, or requested limits are not aligned with verified data will be flagged for additional due diligence.
Reference Calibration Policy:
Trade references provided must be comparable in scope and credit exposure to the requested limit; unrelated or disproportionately small references may delay approval.
KYC Enforcement Policy:
Know Your Customer (KYC) documentation is mandatory prior to any final credit approval, regardless of company size, history, or urgency.
Data Consistency Requirement Policy:
If business registration, tax ID, or entity structure is inconsistent across documents or databases, credit processing is paused until verified.
Missing Info Contingency Policy:
Incomplete or missing fields in credit applications or trade forms automatically pause review until all required data is submitted in full.
Signed Terms Required Policy:
No credit activation will proceed without signed acknowledgment of USCS’s current credit and payment terms policy.
Banking Change Freeze Policy:
Any client changing banking or payment methods during the review process must undergo re-verification before credit approval can continue.
Backorder Hold Policy:
Orders placed during a credit hold or under review will not be processed or staged until the account is current or cleared.
No Partial Pay Clearance Policy:
Past due balances must be paid in full before service resumes; partial payments will not remove holds or unblock delivery workflows.
Prepay Conversion Policy:
Clients who breach payment terms more than once in a 12-month period will be permanently converted to Prepay or Net 7 if approved again.
Tier Downgrade on Risk Policy:
High-risk activity, delinquencies, or fraud alerts result in a downgrade to lowest-tier terms, regardless of volume or longevity.
Terminal Fee Awareness Policy:
Clients selecting credit card payment must acknowledge and accept terminal processing fees. No waivers will be issued retroactively.
Zero Negotiation on APR Policy:
USCS does not offer 0% APR on Net 30 terms. All interest-bearing billing structures are fixed and non-negotiable.
Limit Scaling Policy:
New clients may receive a lower initial credit limit, with periodic reviews based on transaction volume, payment history, and relationship maturity.
No Overlimit Policy:
Orders exceeding the approved credit limit will not be accepted unless prior written authorization is granted.
Tiered Term Approval Policy:
Term levels (Prepay, Net 7, Net 15, Net 30) are assigned based on comprehensive credit review, and cannot be manually selected by the applicant.
Volume Forecast Review Policy:
Applicants must disclose realistic monthly spend estimates. Sudden material deviations from these projections may trigger account reevaluation.
Credit Communication Etiquette Policy:
USCS expects professionalism in client interactions. Excessive pressure, threats, or aggressive tone may result in suspended review or termination of discussion.
Urgency Accommodation Disclaimer:
Client urgency does not override standard risk procedures. While we aim to respond promptly, no turnaround times are guaranteed unless under SLA.
No Cross-Client Precedent Policy:
Approval with other vendors or systems does not guarantee approval with USCS. Every client undergoes our own independent review process.
Personal Guarantees Policy:
In certain cases, a personal guarantee from an officer of the applying company may be required for final approval at higher exposure tiers.
Client Re-Entry Policy:
Previously denied or suspended clients may reapply after 90 days, but must submit updated documentation and meet new review criteria.
Duplicate Entity Flag Policy:
Clients applying under multiple similar names or EINs within a 12-month period may be flagged for manual fraud review.
Anti-Fraud KYC Verification Policy:
Any mismatched or unverifiable EIN, corporate address, or registration detail is flagged for risk escalation and may result in permanent rejection.
Chargeback Protection Policy:
Clients paying by credit card who file chargebacks without prior contact may be banned from future credit consideration.
Contractual Override Clause:
USCS credit policies may be superseded by individual contract terms—but only where expressly agreed to in writing by executive leadership.
Multi-Entity Aggregation Policy:
When dealing with subsidiaries or franchises, USCS reserves the right to aggregate credit exposure across related entities to determine risk thresholds.
Digital Signature Validation Policy
All signed forms and agreements must be digitally signed with valid date/time stamps; typed names are not considered valid authorizations.
Proof of Business Address Requirement
All applicants must provide verifiable documentation for physical business addresses (no P.O. boxes unless previously approved).
Multi-Region Operations Disclosure
Clients operating in multiple states or regions must disclose where billing and operations are centralized for compliance and collection jurisdiction.
No Silent Co-Signing Policy
Third-party endorsements, side letters, or emailed verbal guarantees are not considered part of the credit evaluation unless included in signed documents.
Minimum Registration Accuracy Threshold
Registration applications must meet a minimum standard of completeness and accuracy (90%+) or they will be rejected without review.
Unverifiable Website Flag
Businesses without a verifiable or functioning company website will require enhanced vetting or rejection based on sector risk.
Out-of-Country Entity Pause Policy
Entities legally registered outside the U.S. are automatically paused for legal and jurisdictional review unless previously approved by Risk.
Manual Entry Freeze Protocol
Accounts with inconsistent or manually altered application data are paused for supervisor-level validation before further review.
Misleading Application Representation Policy
Clients found to misrepresent business size, structure, or leadership will be permanently ineligible for credit terms.
Application Time Expiry Policy
Credit applications not completed within 14 business days are automatically closed, requiring a fresh resubmission for further review.
Non-Negotiation Clause on Net Terms
Standard net terms (7, 15, 30) are not open to client negotiation unless escalated by the Credit Department Manager.
Re-aging Prohibition Policy
USCS does not re-age accounts or reset aging clocks due to client error, disputes, or system delays unless explicitly agreed to in writing.
No Net Term Transfers Policy
Approved payment terms cannot be transferred between entities, even if part of the same parent organization.
Third-Party Payment Rejection Policy
Payments from unknown third-party accounts will not be accepted unless previously disclosed and validated.
Account Freeze After 15 Days Past Due
Any invoice unpaid beyond 15 days after due will result in a temporary freeze regardless of account size.
Dispute Escrow Requirement
If a payment dispute is raised, the undisputed portion must be paid in full while the issue is under review.
Auto-Term Downgrade for Recurring Delinquency
Accounts with two or more delinquencies within 6 months will have credit terms downgraded or revoked.
Hold Override Restriction Policy
Customer service or logistics staff are prohibited from overriding account holds unless authorized by Credit & Risk.
Zero Tolerance for Prepay-to-Term Abuse
Clients approved on prepay who later insist on backdated credit terms will be disqualified for further postpaid consideration.
Short-Pay Protection Policy
Any account issuing a short payment without communication will have its credit terms frozen pending explanation.
Invoice Visibility Confirmation Policy
Clients must confirm access to their invoice portal or statement method prior to credit activation to avoid billing disputes.
Client-Induced Delay Policy
USCS is not liable for service delays arising from payment delays, registration pauses, or incomplete onboarding.
Credit Hold Dispute Limit Policy
Clients may only dispute 1 invoice or hold per billing period. Excessive disputes trigger account review for abuse patterns.
Post-Due Dispute Rejection Rule
Invoices already past due for 15+ days are not eligible for dispute unless there is documented proof of error.
Unpaid Freight Authorization Clause
All unpaid freight remains the property of USCS or its carrier partners until paid in full, including accessorials.
Waiver Freeze Policy
No waivers will be processed on past-due accounts. All fees, penalties, or late charges must be paid before any goodwill adjustments.
Multiple Billing Method Restriction
Clients may only use one billing method (portal/email/paper) at a time. Switching mid-period may result in delays and penalties.
Administrative Fee for Repeat Invoicing
Clients requesting repeated or modified invoice issuance will incur an administrative surcharge of $25 per request.
Overpayment Policy
Overpayments will be held on file as a credit and will not be refunded unless specifically requested via formal documentation.
Unclaimed Credit Forfeiture Clause
Any credit balance left unclaimed for 180 days may be subject to forfeiture unless otherwise required by law.
Sanction Check Policy
USCS reserves the right to screen all applicants against federal sanction and anti-money laundering (AML) databases.
Insolvency Flag Freeze
If bankruptcy, insolvency, or receivership is publicly reported, the account is immediately frozen and sent to collections.
Credit Agreement Survival Clause
Terms remain binding for the life of the client’s engagement, regardless of operational changes unless renegotiated formally.
Governing Law Clause Enforcement
All transactions are governed by the jurisdiction indicated in the master credit agreement. Client exceptions are not honored.
Account Transfer Limitation Policy
Clients may not transfer their account, credit, or open orders to another company or DBA without new application and approval.
Asset Claim Policy
USCS retains rights to lien-eligible assets related to unpaid services or physical goods as allowed by law.
Legal Escalation Trigger
Accounts past due over 60 days with no response or resolution attempt may be escalated to outside legal recovery agencies.
Non-Disclosure Clause
Credit terms, limits, and internal scoring processes are confidential and will not be disclosed outside necessary finance or compliance conversations.
Audit Recordkeeping Policy
USCS maintains audit records of all client application data, term negotiations, and payment performance for no less than 7 years.
Fraudulent Identity Reporting Policy
If fraudulent identity or falsified documentation is detected, the applicant will be reported to appropriate federal authorities.
Internal Risk Model Priority Clause
USCS reserves the right to override trade reference data in favor of its own internal scoring and sector risk models.
Volume-to-Credit Ratio Policy
Credit limits are tied to proven volume over time; no client may exceed a 1.5x monthly volume-to-limit ratio without internal exception approval.
First 90 Days Review Trigger
All new clients are reviewed at 90 days for term validation, volume integrity, and risk reassessment.
Dormant Account Expiry Policy
Clients inactive for more than 6 months will be archived and must reapply before reactivation.
Disproportionate Growth Alert
Clients with invoice volume increases exceeding 200% in a 30-day window may trigger an account review and temporary hold.
Seasonal Volume Limit Exception Clause
Seasonal clients may request limit expansions only with 60-day advance notice and approval from both Operations and Credit.
Contract vs Usage Gap Policy
If actual usage significantly underperforms contractual minimums, account may be re-rated for credit or term downgrade.
Low-Risk Reserve Override Policy
In select industries (e.g., municipalities), USCS may offer Net 30 with reserves or guarantees, even for startups.
New Industry Caution Clause
Applicants from newly emerging or volatile industries (e.g., crypto logistics, cannabis, rare commodities) will require enhanced risk review and may only qualify for Prepay.
Manual Review Rights Policy
USCS reserves the right to manually override algorithmic scores in favor of documented historical behavior or strategic importance.
Institutional Clearinghouse Integration Policy: All receivables managed under extended terms are processed through our primary institutional clearinghouse for liquidity management.
Extended Term Service Premium Policy: A standard Service Premium of 1.5% to 3.5% applies to all invoices with settlement terms exceeding 14 calendar days.
Tiered Liquidity Adjustment Policy: The specific Service Premium rate (1.5%–3.5%) is determined by the Treasury Partner’s conditional approval and the client’s risk categorization.
Mid-Cycle Term Modification Prohibition: Payment terms cannot be modified while an active billing cycle or underwriting process is in progress.
Pro-Rata Cycle Commencement Policy: Approved term changes do not default to the next month’s cycle; they initiate only upon the successful closure of all trailing balances from the previous cycle.
Capital Carry-Forward Surcharge: Because logistics costs are front-loaded, any "carried" capital beyond Net 14 incurs a mandatory administrative offset fee.
Secondary Treasury Underwriting Requirement: Requests for Net 30 terms trigger an automatic referral to our Secondary Treasury Partner for enhanced financial scrutiny.
Automated Recency Validation: Our clearinghouse system will automatically reject term-extension requests if the account shows any "Non-Current" activity in the preceding 90 days.
Funding Source Neutrality Clause: USCS maintains the right to utilize third-party capital partners to facilitate client credit needs without compromising data confidentiality.
Notice of Assignment (NOA) Protocol: Clients may receive a formal Notice of Assignment directing payments to a specific clearinghouse lockbox to ensure expedited credit posting.
Clearinghouse Remittance Integrity Policy: Payments made to any account other than the one designated by the Treasury Partner will not be considered "received" for aging purposes.
In-Transit Capital Protection Policy: USCS reserves the right to adjust Service Premiums if market volatility affects the cost of capital during an active Net 30 window.
Institutional Risk-Rating Alignment: Client credit limits are benchmarked against the risk-rating models of our external financial affiliates.
Direct Verification of Receivables (DVR): Our Treasury Partners may periodically contact client AP departments to verify the validity and "intent to pay" of outstanding high-ticket invoices.
Non-Negotiable Clearinghouse Fees: All fees associated with extended terms (Net 15+) are institutional requirements and are not subject to representative-level waivers.
Treasury Management Escalation: Any dispute regarding extended term fees is escalated directly to the Treasury Compliance Officer, not the general billing team.
Term Reversion for Late Remittance: Any account on Net 30 that fails to pay by the due date automatically reverts to Net 7 "Pre-Adjudication" status for 120 days.
Escrow Requirement for Extended Terms: High-volume accounts requesting Net 30+ may be required to maintain a rolling escrow with our clearinghouse.
Interbank Transfer Requirement: To avoid Service Premiums, clients must utilize Interbank ACH; Credit Card payments on extended terms incur both the Terminal Fee and the Service Premium.
Capital Reserve Maintenance Policy: USCS maintains a 10% capital reserve for all extended-term accounts to ensure operational continuity.
Clearinghouse Audit Rights: Our financial partners reserve the right to audit client payment behaviors to determine future term eligibility.
Service Premium Disclosure Policy: All premiums associated with Net 15, Net 30, or Net 60 terms will be disclosed in the "Treasury Adjustment" section of the invoice.
Term Duration Cap: No client may exceed Net 30 terms without a Board-level Treasury Exception and a verified Corporate Guarantee.
Underwriting Data Lock Policy: Once a credit review begins, no further changes to the client's requested payment method or terms will be accepted until the review concludes.
Administrative Re-processing Fee: Requests to move from Net 30 back to Net 7 during an active cycle incur a $250 administrative re-processing fee.
Institutional Credit Hold Protocol: If our Treasury Partner withdraws credit support for a specific debtor, USCS must move that client to "Prepaid" status immediately.
Receivable Purchase Notification: Clients acknowledge that USCS may sell or assign the rights to specific invoices to maintain organizational liquidity.
Treasury-Led Collections Policy: In the event of 15+ day delinquency, the Treasury Partner’s internal recovery team may take over communication for the account.
Extended Credit Eligibility Window: New clients must maintain a "Low-Risk" status for a minimum of 180 days before applying for terms exceeding Net 14.
Asset-Backed Liquidity Clause: USCS credit extensions are backed by institutional assets; client default triggers a formal claim via the Clearinghouse.
Clearinghouse Communication Etiquette: Clients must respond to Treasury Partner verification requests within 24 hours to maintain "Active Credit" status.
Net 30+ Compliance Surcharge: An additional 0.5% compliance fee may be applied to Net 30 + accounts to cover monthly risk monitoring.
Secondary Underwriting Fee: A non-refundable $150 fee is applied to all applications for terms exceeding $100,000 in monthly exposure.
Treasury Dashboard Access: High-volume clients may be granted access to a Treasury Portal for real-time tracking of assigned invoices.
Non-Standard Term Premium: Any "Custom" term request (e.g., Net 21) defaults to the highest Service Premium tier (3.5%).
Operational Liquidity Buffer Policy: USCS does not allow client "Float" to exceed 25% of the client’s quarterly gross spend.
Clearinghouse Dispute Resolution: Disputes regarding invoice amounts do not toll (stop) the aging clock for Treasury Partner reporting.
Verified Funds Requirement: All payments for Net 30 invoices must be made via "Verified Funds" (ACH/Wire/Certified Check).
Treasury Status Notification: Clients will receive automated notices from "USCS Treasury Services" regarding pending due dates.
Credit Limit Synchronization: Changes in a client’s external credit score (D&B/Experian) will result in an immediate automated adjustment of their USCS credit limit.
Receivable Integrity Warranty: By submitting a work order, the client warrants that the resulting invoice is a valid debt for our Treasury Partners to purchase.
Institutional Billing Cycle Policy: Our billing cycles are fixed; "Five-Monday" months or holiday cycles do not permit payment delays under our Liquidity Protection Policy.
Zero-Tolerance for Payment Redirects: Attempting to pay USCS directly for an invoice assigned to a Clearinghouse constitutes a breach of the Credit Agreement.
Treasury Review Cycle: All accounts on Net 15+ terms undergo a mandatory "Hard Refresh" of their credit file every 6 months.
Capital Exposure Cap: No single client account may represent more than 15% of our Treasury Partner’s total allocated sector risk.
Underwriting Submission Window: Applications for term extensions are only accepted between the 1st and 10th of each month.
Automated Interest Accrual: Invoices exceeding terms by 24 hours automatically trigger the Late Payment Penalty Policy (1.5% per month) via the Treasury system.
Clearinghouse Identity Verification: AP managers may be required to undergo a one-time ID verification to access the Treasury Payment Portal.
Liquidity Continuity Surcharge: A 1% surcharge is applied to accounts that fluctuate by more than 50% in weekly volume to manage capital "lumpiness."
Treasury Partner Sovereignty Clause: USCS Management cannot override a credit denial or term reduction issued by the Institutional Treasury Partner.
Strategic Partnership Eligibility Audit: Clients are invited to apply for "Strategic Partner" status, which initiates a mandatory 45-day deep-tissue financial audit.
Amicable Settlement Dispute Window: USCS allows a 48-hour "Good Faith" period to contest line items; however, per the No-Float Policy, the undisputed 90% must be remitted immediately to maintain "Active" status.
Tiered Service Premium Adjustments: The 1.5%–3.5% liquidity offset is "market-responsive" and may be adjusted upwards mid-cycle if the client’s internal D&B rating fluctuates.
Executive Override Limitation: While Relationship Managers can request "Urgency Exceptions," the Treasury Clearinghouse API automatically blocks shipments if the $100k exposure threshold is breached.
Conditional Approval Reversion: All Net 30 approvals are "Provisional." Any single payment received more than 4 hours past the 5:00 PM cutoff triggers an automatic 90-day reversion to Prepay.
Administrative Harmony Surcharge: To "align" with client-side AP software, a monthly $150 "Data Integration Fee" is applied to all accounts requiring custom invoice portals.
Goodwill Credit Eligibility: "Goodwill" credits for service errors are only redeemable if the account has maintained a 100% "On-Time" record for the trailing 12 months.
Collaborative Risk Monitoring: Clients must grant USCS Treasury "View-Only" access to specific trade references to verify ongoing liquidity during Net 30 windows.
Provisional Extension Fee: An "Amicable Extension" of 72 hours may be granted exactly once per annum, carrying a mandatory 5% "Short-Term Capital Surcharge."
Institutional Verification of Intent: Our Treasury Partners reserve the right to verify "Proof of Funds" before authorizing shipments exceeding $25,000 in a single 24-hour window.
Relationship-Based Limit Caps: New "High-Volume" partners are capped at $75,000 in total exposure until three full billing cycles are successfully cleared via ACH.
Automated Remittance Reconciliation: Payments not accompanied by a digital Remittance Advice are held in "Unapplied Funds" and do not stop the Late Penalty accrual.
Treasury Sovereignty Clause: USCS Relationship Managers are legally prohibited from promising "Term Waivers" or "Late Fee Forgiveness" without a signed Digital Authorization from the Clearinghouse.
Liquidity Priority Ranking: During peak logistics seasons, "Net 7/Prepay" clients receive 100% equipment priority over "Net 30/Net 60" accounts.
Capital Allocation Reserve: USCS reserves the right to "Pause" Net 30 privileges if the client’s total industry sector (Courier/Logistics) faces a macro-liquidity event.
Payment Method Integrity Clause: Switching from ACH to Check mid-cycle is considered a "Breach of Transparency" and triggers an immediate Account Review.
Performance-Linked Limit Reduction: If weekly volume drops by more than 30%, the credit limit is automatically slashed to prevent "Zombies Debt" exposure.
Corporate Entity Guarantee: For high-ticket Net 30 accounts, USCS requires a "Continuing Guaranty" signed by a C-level officer with personal recourse.
Treasury Data Integrity Audit: Any discrepancy in the client’s provided "Trade References" results in an immediate 30-day "Credit Freeze."
Dispute Non-Tolling Clause: Raising a "Service Dispute" does not waive the 2.9% Terminal Fee or the Service Premium for that billing period.
Soft-Hold Notification: "Soft-Holds" (notifying drivers of pending stops) are triggered automatically when an invoice is 1 hour past due.
Hard-Hold Execution: "Hard-Holds" (canceling active pickups) occur at 48 hours past due with no "Amicable Resolution" possible until funds clear.
Credit Utilization "Burst" Policy: Clients may "Burst" their limit by 15% for one week, provided a 3.5% "Emergency Liquidity Fee" is accepted in writing.
Mutual Growth Transparency: Clients must disclose any new debt obligations over $100k to USCS Treasury to ensure our "Senior Lien" status on receivables.
Clearinghouse Communication Protocol: Any attempt to bypass the Billing Team by contacting Operations for "Credit Favors" results in a $250 "Compliance Violation Fee."
Annual Adjudication Refresh: Every 12 months, the account must be "Zeroed Out" (Paid to $0.00) for a 48-hour period to satisfy Treasury Audit requirements.
Remittance Channel Standardization: To maintain Net 30 status, 100% of payments must come from a single, verified Corporate Bank Account.
Short-Pay Reconciliation Hold: If a client "Short-Pays" an invoice by even $1.00, the entire account is flagged as "High-Risk" until the balance is rectified.
Currency of Information Warranty: Clients warrant that all financial data provided is accurate as of the last 72 hours; stale data results in application rejection.

Changes to this Policy

USCS reserves the right to change this Credit Terms & Information Policy from time to time.

Contact Information

USCS welcomes your questions or comments regarding this Credit Terms & Information Policy. If you believe that US Courier Service has not adhered to this Policy, please contact US Courier Service at:

USCS

400 Union Ave SE, Suite 200 Olympia, WA 98501

Email Address: credit@uscs.net

Telephone number: 833-874-8727

Credit Terms & Policy Info

Contact Us

About Us

Resources

Services

Newsletter Sign Up