Across Australia, wholesalers are stuck in a quiet financial cycle that’s costing them thousands every month. It’s not inflation, not interest rates, and not even bad customers. It’s the addiction to short-term debt — the overdrafts, credit cards, and temporary cash fixes used to p...
In wholesale and manufacturing, margins are tight, logistics are complex, and cash flow is king and yet – many businesses are still making it hard for their customers to pay them. They send invoices as PDFs, they rely on “please find attached†and “remittance advice to follow.â...
Australian manufacturers and wholesalers love talking about automation. We’ve automated production lines. We’ve automated warehouse picking. We’ve automated inventory management. But when it comes to the most critical part of the business — getting paid — most companies hit a wal...
Australia’s manufacturing sector already feels like it’s walking a tightrope. On one side, operational costs particularly energy are accelerating out of control. On the other, delayed customer payments are turning cash flow into a nightmare. Put them together, and many manufacturers ar...
In today’s market, suppliers are carrying more financial risk than ever. With defaults now 42% higher than a year ago (Australian FinTech), businesses shipping goods without upfront commitment are leaving themselves dangerously exposed. For industries like construction, wholesale, and ma...
Let’s be honest: a shocking number of Australian businesses are still handling customer payments like it’s the late ’90s. Credit card numbers scribbled on paper. Spreadsheets full of sensitive data. Card details traded back and forth in email chains. In an age where hackers can take ...
Late payments are an increasingly serious problem for Australian businesses. According to the Atradius Payment Practices Barometer Australia 2025, the total value of B2B invoices paid on time has dropped by 37%, while overdue invoices have increased by 52%, and bad debts are up by 11% comp...
In today’s wholesale market, competition is fierce. When a retailer asks for “better terms,†many suppliers feel they have little choice but to agree. Extending more credit can seem like the quickest way to win an order, keep a customer happy, or stay competitive. But here’s the un...
In 2025, wholesalers across Australia and New Zealand are facing mounting pressure from overdue invoices. The surge is not isolated—it reflects systemic cash flow challenges up and down the B2B supply chain. Fortunately, smarter strategies and automation tools like PencilPay are emerging...
