Most B2B businesses focus heavily on acquiring new customers: lead generation, product demos, closing the sale. But what happens after the customer says “yes”?

In the wholesale and distribution world, the real complexity starts post-sale—when your team needs to onboard the customer, assess credit risk, set up payment terms, and ensure everything runs smoothly from the first invoice. For many businesses, this part of the process is manual, messy, and time-consuming.`

PencilPay is changing that.

The Hidden Bottleneck: Post-Sale Onboarding Chaos

Let’s break down what a typical onboarding process looks like for a wholesaler or manufacturer:

1. Sales closes the deal and hands the new customer to accounts or admin.
   
2. A PDF credit application is sent by email (or worse, faxed).
   
3. The customer fills it out, scans it, sends it back.
   
4. The accounts team manually enters data into multiple systems: CRM, accounting software, and ERP.
   
5. A director-level credit check is run, usually with multiple back-and-forth steps.
   
6. Banking details are collected manually.
   
7. Someone chases signatures, payment preferences, and trade references.
   
8. Nothing is linked, automated, or secure.
   
   

Sound familiar?

Not only is this slow and error-prone—it’s a poor first impression for your new customer. And in industries where payment terms and trade credit are the norm, a poor onboarding experience can lead to payment delays, confusion, or worse: churn.

PencilPay: One Unified Workflow for Onboarding and Payment Setup

PencilPay is built to eliminate the friction in this critical post-sale phase. Here’s how it works:

1. Digital Trade Application

Instead of emailing a static form, you send a branded link. Your customer completes a smart, mobile-friendly application that collects:

• ABN/ACN details
  
• Director and business information
  
• Payment preferences
  
• Trade references
  
  

Everything is captured cleanly, securely, and automatically pushed into your backend systems.

2. Automated Credit Checks and Risk Scoring

Once submitted, PencilPay automatically runs real-time director-level credit checks, using top-tier data providers. You get an instant risk profile with:

• Credit score
  
• ASIC data
  
• Director cross-matching
  
• Recommendations on how to proceed
  
  

No more guesswork. No more delays.

3. Built-In Payment Setup

Customers connect a payment method—bank account or card—before they place their first order. This ensures:

• Your team is ready to invoice on Day 1
  
• You avoid chasing payments later
  
• You stay in control of cash flow
  
  

And if a customer is high-risk or requests terms, you can offer custom payment plans directly within PencilPay—secured with their payment method on file.

4. Seamless ERP + Accounting Integration

PencilPay integrates with platforms like Cin7, DEAR/Cin7 Core, QuickBooks, and Xero. That means no double data entry. New customers flow directly into your system, and you get full visibility from onboarding to payments.

The Results: Faster Setup, Lower Risk, Happier Customers

Here’s what PencilPay customers report after streamlining their post-sale process:

• 80% faster customer onboarding
  
• Fewer manual errors and admin hours
  
• Improved cash flow from upfront payment capture
  
• More confidence offering credit terms
  
  

Whether you’re a fast-growing wholesaler or an established manufacturer, getting the post-sale process right can dramatically reduce friction—for both your team and your customers.

Final Thought

You worked hard to win the customer. Don’t lose momentum with a clunky onboarding experience.

With PencilPay, your post-sale process becomes a competitive advantage—one that builds trust, ensures faster payments, and sets you up for long-term success.