You could use a macro to split the data into 12 sheets - that may get you under the size limit. Create a copy of your data sheet, and delete all columns except Client Name, Region, and Credit Amount (in column A,B, and C), with all else blank. Then run this macro, and create a pivot table from the smaller sheets
If you still have too many unique clients, then you could sort on client name and use subtotals. If you don't have any clients with multiple credit amount entries, then you could just sort based on credit amount descending.
Option Explicit
Sub SplitDataBase()
Dim C As Range
Dim DSh As Worksheet
Dim ASh As Worksheet
Set ASh = ActiveSheet
With ASh
.Range("B:B").AdvancedFilter Action:=xlFilterCopy, _
CopyToRange:=.Range("H1"), Unique:=True
With .Range("H1").CurrentRegion
For Each C In .Cells.Offset(1).Resize(.Cells.Count - 1, 1)
Set DSh = Worksheets.Add(after:=Worksheets(Worksheets.Count))
DSh.Name = C.Value
ASh.Range("A:C").AutoFilter Field:=2, Criteria1:=C.Value
Intersect(ASh.Range("A:C"), ASh.UsedRange).SpecialCells(xlCellTypeVisible).Copy DSh.Range("A1")
ASh.Range("A:C").AutoFilter
DSh.Cells.EntireColumn.AutoFit
Next C
End With
.Range("H1").CurrentRegion.Delete
End With
End Sub
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