Industry solution · Clothing brands
More stockists. Faster, safer wholesale payments.
Digitise retailer applications, secure upfront commitments and automate account payments across seasonal drops and repeat orders.
Seasonal wholesale without seasonal payment stressLive
| Invoice | Customer | Terms | Due | Amount | Collection | Status |
|---|---|---|---|---|---|---|
| INV-2408 | Harbour Supply Co. | 30 days | Today | $4,820.00 | Charging | |
| INV-2397 | Northside Cellars | 7 days | 12 Sep | $2,140.00 | Scheduled | |
| INV-2381 | Bean & Co Roasters | 14 days | 19 Sep | $6,305.00 | Scheduled | |
| INV-2362 | Northgate Lighting | Pre-paid | Paid | $1,180.50 | Reconciled | |
| INV-2340 | Coastal Pet Supply | 30 days | 3 days over | $3,275.00 | Reminder sent | |
| INV-2311 | Harbourline Packaging | 30 days | 7 days over | $9,940.00 | Plan offered |
86% collected automaticallyReconcile batch
MinutesTo approve stockists
FlexibleDeposit rules
On timeAccount collections
The end-to-end workflow
From new account to cleared cash.
One governed process that removes the gaps between sales, accounts and operations.
Recruit
Send a branded stockist application
Approve
Verify and set the right limit
Secure
Collect a deposit for the range
Settle
Automate the balance or trade terms
Built for both sides
Finance gets control. The team gets speed.
PencilPay makes stronger credit governance feel easier for the people doing the work.
The business
Protect cash flow
- Safer seasonal production commitments
- Reduced exposure to new stockists
- Faster wholesale expansion
- Clear cash-flow timing
The team
Remove the admin
- Quick stockist approvals
- Deposits linked to orders
- No chasing before release
- Simple transaction matching
Stockist onboarding
Turn retailer interest into an approved account quickly.
Capture store information, trading history and payment authority in a consistent online flow.
- Branded wholesale application
- Business verification
- Terms and limits by retailer
- Digital agreement records
New trade accountStep 3 of 3
87
Risk signalLow
ABN verified✓
Business verified✓
Payment authority✓
Recommended: 30-day termsApprove account
Seasonal commitments
Secure the order before production and dispatch.
Set deposits or prepayment requirements for launches, custom ranges and first-time stockists.
- Percentage or fixed deposits
- Balance due rules
- Payment confirmation for fulfilment
- Lower cancellation exposure
CollectionsLive
INV-2408 · Due today$4,820
INV-2397 · 7-day terms$2,140
INV-2381 · Scheduled$6,305
86% collected automaticallyOn track
Repeat trade
Keep reorders easy without losing payment control.
Once a retailer is approved, automate future invoice collection and reconciliation on their agreed terms.
- 7, 14 or 30-day accounts
- Saved payment authority
- Automated due-date charging
- Accounting integrations
ReconciliationReady
Batch total$48,960128 invoices matched
Bank settlementMatched
Clothing brands invoices128 / 128
Ready to post to ledgerReconcile batch
Purpose-built for the category
One platform across your clothing brands network.
Fashion labels
Footwear brands
Accessories
Licensed apparel
Uniform suppliers
Why it matters

