Decrease debtor days and total receivables.
Turn hundreds of retail accounts into predictable cash flow with fast onboarding, automatic due-date collection and one-button reconciliation.
Dashboards / Consumer goods| 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 |
From new account to cleared cash.
One governed process that removes the gaps between sales, accounts and operations.
Open
Onboard boutiques or national retailers
Segment
Set terms by account and risk
Collect
Pull funds automatically on due date
Learn
See collections and receivables clearly
Finance gets control. The team gets speed.
PencilPay makes stronger credit governance feel easier for the people doing the work.
Protect cash flow
- Faster inventory turnover
- Lower total receivables
- Controlled exposure by retailer
- Scalable national distribution
Remove the admin
- Retailers trading in minutes
- No repetitive invoice chasing
- Mixed terms in one view
- Fewer matching errors
From retailer application to first order in minutes.
A digital account-opening flow verifies each business and captures payment authority before trade begins.
- Real-time ABN checks
- Credit-risk visibility
- Flexible retailer terms
- Secure bank or card authority
Automate payment before dispatch when risk is higher.
Move new or higher-risk retailers to deposits, COD or full prepayment without creating a second workflow.
- Rules by customer segment
- Instant payment confirmation
- No stock released unpaid
- Easy transition to credit terms
More doors without more back-office headcount.
Automated settlement and ledger matching keep finance clean as wholesale volume expands.
- High-volume batch processing
- Next-business-day settlement
- ERP and inventory connections
- Clear collection status
