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...
For decades, “Net 30” or “Net 60” terms have been the unwritten rule of wholesale trade. Suppliers extended generous credit to keep orders flowing and relationships strong. But in 2025, the rules are changing. Rising interest rates, retail collapses, and unpredictable supply chain ...
If you sell on terms, you’re effectively a lender. In 2025, that “lending” is getting riskier: more invoices are going overdue, Days Sales Outstanding (DSO) is stretching, and the manual cost of chasing payments is quietly eroding margin. This piece breaks down why late payments are ...
In the world of B2B trade, delays in onboarding and payments aren’t just annoying—they’re expensive. Manual credit applications, chasing for documents, rekeying customer data, and following up overdue invoices can eat up hours each week. That’s time your team could spend actually g...
Getting paid on time shouldn’t mean souring relationships with your best trade customers. For wholesale suppliers, manufacturers, and distributors, the balance between healthy cash flow and customer retention is delicate—but it doesn’t have to be difficult. With the right systems...
Modern wholesalers and manufacturers have no shortage of software tools to manage operations. From ERPs like Cin7 Core and inventory platforms to accounting systems like Xero, MYOB, and QuickBooks, there’s a growing tech stack designed to streamline how goods move and dollars flow. But w...
If you’re a supplier, wholesaler, or manufacturer, your team probably didn’t sign up to become full-time debt collectors, form chasers, or spreadsheet warriors. But that’s the reality for many B2B businesses today, bogged down in credit account admin, chasing signatures, tracking...
In the building industry, growth comes from scale—larger projects, more frequent orders, and stronger relationships with high-value customers. But with bigger jobs come bigger risks and more complex admin. If you’re a supplier to the trades—selling building materials, joinery, pl...
