The reliable spine
The non-AI spine is the source-linked workflow: clean records, rules, calculations, integrations, exception queues, approvals and reporting for Collections, credit-limit and ageing discipline.
Distribution & Trading
Collections, credit-limit and ageing discipline
Cash is buried in the long retailer-credit tail. Credit limits live in the owner's head, ageing is a guess, and the chase runs on the salesman's memory, so customers cross their limit unnoticed, money ages past terms unseen, and the occasional account drifts to default while it was still recoverable. As reported by industry accounts, credit cycles run 30 to 45 days and stretch further in newer territory.
Who has it
Across all segments this is the cash cycle's biggest lever, sharpest for FMCG distributors on retailer credit, pharma distributors on chemist credit, and industrial and B2B distributors on dealer and OEM credit.
What we build
A credit-limit, ageing and follow-up workflow: every customer crossing his limit or ageing past terms is flagged, statements and reminders go out on a schedule, 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 (this is 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
Automation for the routine. A person on every decision that matters.
Where AI helps
AI is limited to bounded reading, extraction, matching, clustering or drafting from the firm's own data for Collections, credit-limit and ageing discipline; it never owns the number, the approval, the promise or the 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; 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
How this one gets built.
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.
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What tends to pair with this one.
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