Collect from trade accounts at scale. Automate AR so terms-based orders do not become collection problems.
Wholesalers, importers and stockists running ERP-driven order-to-cash with high invoice volume and tight margins.
- High invoice volume, low margin – every late payment hurts
- AR clerks spending most of the week on chasing and cash application
- No buyer-friendly way to pay by card or ACH against a NET-30 invoice
- Reconciliation backlog at month-end close
- Autonomous chase with escalation from soft reminder to phone call
- Card and ACH on the same hosted invoice page
- Cash applied automatically against the ERP open item
- Real-time aging visibility across customers, sales reps and regions
"A national food distributor consolidated three regional AR teams onto Finero and reduced collector headcount needs by 40% as volume grew."
Thousands of trade accounts on NET terms
Distribution ledgers are long-tail by nature: hundreds or thousands of trade accounts, each with modest balances, on NET-30 to NET-90. A collector can properly work perhaps 50–60 accounts a week, so on a large ledger most invoices are never chased at all – the long tail ages quietly while attention goes to the biggest balances.
An autonomous agent removes the coverage ceiling: every account gets the same consistent cadence, with a card and ACH payment page inside every reminder, and escalation from soft nudge to phone hand-off on the accounts that stall.
Related: How to reduce DSO · What is autonomous AR?
Deductions and short-pays with reason codes
Trade accounts short-pay: freight deductions, promotional allowances, damaged-goods claims. Each one has to be identified, coded, and posted before the cash can apply. Finero matches payments to invoices at the line level, carries short-pays and deductions back to the ERP with reason codes, and surfaces genuinely ambiguous items as exceptions – so the ledger stays close-ready without a reconciliation backlog.
Related: Cash application automation · ERP integrations
Recommended stack for B2B COMMERCE: WHOLESALE & DISTRIBUTION
ERP / accounting
Pick from NetSuite, SAP, Oracle Fusion Cloud ERP, Dynamics 365, QuickBooks or Xero.
ERP and accounting integrations →Payment provider
Stripe, Adyen, Worldpay or your existing processor – Finero brokers payments through any of them.
Payment-provider integrations →Platform modules
Autonomous chase, hosted payments, dispute desk, cash application, AR analytics.
Platform overview →Explore other industries
- AR automation for SaaS PlatformsCollect on custom pricing, contracts and usage overages – without your finance team chasing every invoice.
- AR automation for ManufacturingConnect production, ERP and receivables so cash arrives as predictably as the shipment.
- AR automation for Consumer Goods (CPG)Modernise trade receivables for the retailers, grocers and chains buying your product.
- AR automation for ANY B2B VERTICALIf your customers pay by invoice, Finero adapts to your terms and automates the chase, collection, and reconciliation flow.
- All Finero industriesHow Finero adapts to SaaS, distribution, manufacturing, CPG and B2B commerce.
- How to reduce DSO without hiringFive operational changes – chase cadence, hosted payments, ERP reconciliation, dispute SLAs, self-service – that compound into double-digit DSO reduction.
- What is autonomous AR?Definition of autonomous accounts receivable and how it differs from AR automation, dunning tools and collection agencies.
Run AR in b2b commerce: wholesale & distribution? Let's show you Finero on it.
Book a 30-minute demo with a Finero expert. See how Finero chases, collects, and reconciles invoices end-to-end.