Hi Kevin,
The customer SmartFinder is looking at the customer list, not the transactions list. Only if you deleted customers would there be an incremental speed increase. How many customers do you have?
When you get the chance to install the Receivables 90A upgrade, you will see a significant performance enhancement with the SmartFinder, where it will take much less time to generate the customer search list.
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Regards,
Softrak Tech Support