Growth software for product businesses

Pencil automates your wholesale applications, trading terms and payments in one place; so you can focus on what matters – growth.

Fast account applications

This is how it works

Take 5-mins to configure your trading terms and credit limits. Then, design your branded forms, before integrating them with your website.

In 60-seconds, customers can sign up via your website, or you can trigger a pre-filled form directly from PencilPay.

With in-built payment processing, you can collect bank or credit card details before you trade, so you never have to chase invoices again.

Credit application platform

Accounts receivable automation

PencilPay integrations icon

Customer setup

Perform a credit check and approve to create the account inside of your accounting and inventory software for an immediate first order.

PencilPay payments

Get paid without chasing

Require wholesale customers to enter payment details as part of their application and they’ll get billed automatically when the invoice is due.

1 click reconciliation online

1-click reconciliation

When you receive a batch of payments each day, you can reconcile everything in a single click with our grouped disbursement.

Customer stories

The bean cartel logo

Business Type:

Coffee Roaster


Food and Beverage

The Bean Cartel are a Melbourne based Coffee Roaster whose supply coffee beans, specialist milk, hot chocolate and tea to hundreds of cafe’s Victoria wide.

Puramedic logo

Business Type:

Probiotics Manufacturer



Puremedic Health are a proudly Australian owned and made  manufacturer of pregnancy probiotics. Customers include pharmacies and allied health professionals.

Stomping Ground brewing logo

Business Type:

Craft Brewery



Stomping Ground are an award winning Independent Craft Brewery. They operate a public beer hall as well as wholesaling to licensed venues and bottle shops.

CMI accessories logo

Business Type:

Mobile Phone Accessories



CMI is a national wholesaler of mobile phone accessories. They whoesale to large telco retailers and mobile repair shops including Telstra, Optus and Vodafone.

coffee world logo

Business Type:

Coffee Roaster


Food and Beverage

CoffeeWorld are a Coffee Roaster in South Australia. They distribute coffee, chocolate, tea, speciality milk and packaging to  cafe’s pubs, clubs and corporate offices state wide.

kombu kombucha logo

Business Type:




Kombu is an Australia owned and made producer of handcrafted Kombucha. They distribute Kombucha to hospitality venues, supermarkets and convenience. 


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