Agri-Inputs & Agritech
The whole trade runs on credit recovered after harvest. The dealer sells to retailers and large growers on credit at sowing and collects three to five months later when the crop is sold, and if the monsoon fails or the crop price collapses, that book ages into trouble. Credit limits live in the owner's head, ageing is a guess, the chase runs on the salesman's memory, and an account drifts toward default while it was still recoverable. The seasonal calendar makes this worse than ordinary distribution credit: a bad season turns a whole region's book at once.
Who has it
Seed and fertiliser distributors carry the signature need, the cash-cycle lever, and the retail and dealer networks carry the same across many counters. There is a lighter version for farm-equipment dealers, where equipment is part-financed and parts go out on dealer credit.
What we build
A credit-limit, ageing and follow-up workflow: every retailer or grower crossing his limit or ageing past terms is flagged, statements and reminders go out on a schedule keyed to the harvest calendar, and the chase is ranked by rupees at risk. Routine reminders run on their own; every credit-limit change, write-off and legal action is held for a named person (the productised approval-gated discipline). An order can be credit-checked against the live position before it is committed.
What is automated, where AI helps, who signs off
The reliable spine
The reliable spine is non-AI: the credit-limit and ageing rules keyed to the harvest calendar, the ranking of the chase by rupees at risk, the scheduled statements and reminders, and the live credit check against the account's position before an order is committed.
Where AI helps
AI is confined to reading the ledgers and statements, summarising an account's ageing and exposure, and drafting the reminder; it never owns the credit limit, the write-off, the legal action or any other credit decision.
Who signs off
A named person signs off anything touching money, stock, a customer promise, a regulated filing, a payment, a price, a credit decision or a people decision.
What changes day to day
Outstanding is visible before it stretches; the chase is ranked by money at risk instead of by who shouted loudest; accounts heading for default are caught while the money is still recoverable; the owner stops being the only one who knows the limits.
Illustrative outcome
Collection days reduced and working capital freed for the next season; large at-risk accounts caught early. Illustrative; final numbers come from your own data.
Illustrative; final numbers come from your own data.
Path to the build
Book a free 60-minute call, then a free Blueprint on the firm's own records. Deep-dive and build, followed by run and govern so the workflow keeps paying back.
Related builds
A free 60-minute call. No cost, no obligation, just a clear read on what is worth building.