Keep pet retailers stocked and paying on time.
Scale independent-store and clinic accounts with faster applications, automatic collections and clear reconciliation across every repeat order.
| 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.
Join
Onboard stores, groomers and clinics
Set
Choose limits and payment terms
Collect
Charge each account automatically
Grow
Reinvest cleared cash into inventory
Finance gets control. The team gets speed.
PencilPay makes stronger credit governance feel easier for the people doing the work.
Protect cash flow
- Predictable inventory cash cycle
- Safer independent retail growth
- Reduced total receivables
- Clear exposure by account
Remove the admin
- Fast customer setup
- Fewer reminder emails
- Terms managed centrally
- Simple payment matching
Approve new pet trade accounts without the paperwork.
A short digital flow captures business information, risk signals and secure payment authority before the first shipment.
- Business and ABN checks
- Configurable account application
- Credit limits by customer
- Card or bank authority
Regular replenishment deserves regular payment.
Automate collection across weekly, fortnightly or monthly accounts without disrupting the buyer experience.
- 7, 14 and 30-day schedules
- Automatic Direct Debit or card
- Prepayment for selected accounts
- Exception alerts for finance
See the cash position behind every shipment.
Settlement and invoice data connects to accounting and inventory tools so growth does not multiply admin.
- High-volume batch collection
- Customer payment history
- ERP and accounting connections
- One-click reconciliation

