iApprove™ | Customer Credit Authorization
MTF transformed a laborious, multi-step credit authorization process into a structured workflow that routes requests, creates Pending Credit Memos in QAD, and preserves traceability.
Headquartered in Edison, New Jersey, MTF Biologics has been saving and healing lives for more than 30 years across orthopedics, wound care, plastic surgery, and reconstructive surgery.
Four steps connect the request to the original customer invoice in QAD. Approved credit transaction, original client invoice linkage, and traceable workflow history remain connected to the QAD system of record.
MTF needed credits to be properly reviewed, aligned with policy, visible to the right stakeholders, and accurately recorded against the corresponding client invoice in QAD.
Requests moved between investigation, data entry, and completion teams.
Large Excel sheets were used to prevent duplicates and support trend analysis.
Hard-copy or Excel forms moved by email and were prone to human error.
The process could take several weeks, contributing to a consistent backlog.
Sales managers needed better transparency into status and decisions.
Sales representatives needed input where credits could affect commissions.
Why this matters: Customer credits affect the invoice, customer relationship, commissions, and financial reporting.
MTF implemented iApprove™ from request initiation through approval and QAD execution while keeping MTF personnel responsible for business decisions.
Customer service or sales submits and categorizes each credit request.
Requests route to the appropriate reviewers; sales is included when commissions may be affected.
Approval triggers a Pending Credit Memo linked to the original client invoice.
Approved credit memos post during the nightly QAD batch process.
These are the approved capabilities documented for the MTF Biologics Customer Credit Authorization workflow.
Route by rules, request type, role, and approval authority.
People retain responsibility for approval and business judgment.
Sales and management participate where appropriate.
Create the Pending Credit Memo automatically after approval.
Link the credit memo directly to the original invoice.
Preserve requests, decisions, users, timestamps, and QAD history.
Since go-live, MTF has processed more than 3,000 credits and eliminated the persistent credit backlog.
MTF reported a completely empty Credit Queue.
More than 3,000 credits moved through the automated workflow.
Automatic routing reduces manual handoffs.
Status, approvals, and rejections are documented.
Approved requests trigger the linked Pending Credit Memo.
Approval and transaction history supports traceability.
MTF connected credit authorization decisions to a Pending Credit Memo, the original invoice, and nightly posting in QAD.
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