Chemical Distribution
Cash is buried in the long buyer-credit tail. Credit limits live in the owner's head, ageing is a guess, and the chase runs on a salesman's memory, so good money goes overdue and the occasional account drifts toward default while it was still recoverable. A credit extension or an over-limit dispatch is granted on a phone call with no record of who said yes or why, and on a thin-margin book a single bad account can wipe out a quarter's profit.
Who has it
Industrial and specialty chemical distributors and solvent, polymer and resin traders carry the largest per-invoice credit values; lab, fine and reagent suppliers and import or re-packing houses carry it on their own credit books. It is universal across the industry.
What we build
Credit limits, terms and live ageing by customer on one screen, with an approval gate (the productised form of approval-workflows) on every over-limit dispatch and credit extension, a ranked daily collection chase driven by ageing and risk, and a clean record of every credit decision. The approver sees the customer's overdue balance and exposure attached to the request.
What is automated, where AI helps, who signs off
The reliable spine
The non-AI spine holds the discipline: credit limits, terms and live ageing per customer, the deterministic approval gate on every over-limit dispatch and credit extension, the ranked daily chase driven by ageing and exposure, and the clean audit record of who approved what and why.
Where AI helps
AI only reads and drafts around that spine: it pulls overdue balances and payment behaviour together so the chase list is ranked, and it drafts the reminder a person reviews before it goes out. It never sets a limit, clears an over-limit dispatch or decides to write an account off.
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
Every over-limit dispatch and credit extension reaches a named person with the exposure attached; the chase runs by ageing and risk instead of memory; overdue surfaces before it stretches; "who approved this account" always has an answer.
Illustrative outcome
Collection time cut by several days; working capital freed; fewer accounts drifting to default.
Illustrative; final numbers come from your own data.
Path to the build
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.
Related builds
A free 60-minute call. No cost, no obligation, just a clear read on what is worth building.